On the ground, Prudential and AIA both rely on 'tied agents' who exclusively sell one company's life-insurance policies and investment-linked insurance products to customers throughout the region.

基本上，保诚和友邦都依赖“固定经纪人”，即在整个地区只为一家公司销售人寿保险以及投资性保险产品。

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"The National Health Insurance Scheme will remain as a transitory measure unless its long-term sustainability is assured and it is linked with universal coverage plans," says WHO's Durairaj.

“除非能确保长期可持久性并与普遍覆盖计划联系在一起，否则国家健康保险方案仍将是一种过渡措施”，世卫组织的Durairaj说。

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Insurance-linked products, such as catastrophe bonds, are becoming more popular.

诸如巨灾债券等保险相关的产品变得越来越流行。

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At no point in time is the insurance linked to outcomes, different ways to provide healthcare or any of the difficult policy issues we have discussed before: palliative care, entitlements of all the best care available, the lack of patient responsibility in their own health, etc.

FORBES: How Obamacare Raises Healthcare Costs

Insurance and health are often linked and confused, with proponents of universal coverage making the argument that health insurance itself is an important determinant of health because it guarantees access to medical care.

FORBES: Oregon Health Experiment Shows That Having Health Insurance Is Different Than Being Healthy

The model has even been stretched to other industries, including a credit card that offers discounts linked to well-being and car insurance that offers cheaper petrol to people who drive safely (a telemetric device installed in your car monitors aggressive driving, like harsh acceleration or sharp cornering).

ECONOMIST: Schumpeter