I think it needs to be very carefully designed, and even then is only likely to be successful in a corporate environment in which there is a lot of focusing on better health."

VOA: standard.2010.07.16

Those exclusions are carefully designed in regard to moral hazard and selection bias.

除外责任是考虑到道德风险和选择性偏差,而精心设计的

耶鲁公开课 - 金融市场课程节选