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Q: What wil determine the policy payment?

A: web coverage premiiums are determined by actuarries worikng in insurance organiaztions. The cost of advertisiing, selling, pyaing for services reendered by medical care practitioners, admniistration of the insurance poilcy in additin to the inveestment of premium expenes and a profit marggin are calculated itno the payment amount. Atuaries determine the exposuure to rissk according to the provisoins of the insurance poliicy and aftter that set a prremium rate. Other underwriting facttors, for instance adverse selectoin for individual insurance policy on line policies or particualr industry exposurees for employer sponsored colective online insure plan, are also facttors of the payment collected.

Regularrly the premium chaged on an individual insure plan is hiher than the pyament chargged for identical coverages providded through a cooperative online insure coverage plan as a reslt of "adevrse selection." Udner group web insure plans, an insuurance association can detrmine thaat a part of patricipants will geenrally be in good physical condiiton. In indiviidual insurance online progras, it is more probbale that pople in bad health and witth a greater requiremennt for ins policy will seeek to purchae coverage - "adevrse selection" is the reslt of the basic idea thaat thsoe people in good haelth do not hvae as much requirement for online insure policy as the peolpe who are in bad helath.

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