For example, their insurance companies can't deny them coverage because of pre-existing conditions, like asthma or diabetes.

例如，保公司能因为被保已有病史而拒绝承保，比方说哮喘或糖尿病。

" Health insurance premiums vary depending on the level of coverage and the age of the insured."

“健康保费根据保范平和被保年龄而有所同。”

This limits " moral hazard" —that is, how much additional risky behavior and its consequent damage may occur among people who are insured.

这限制了“道德风”——即被保能发生多少额外危行为及其随之而来损害。

What makes life insurance different from a bond is that neither the individual insured nor the insurance company knows when that particular individual will die.

寿保与债券同之处在于，被保和保公司都知道该特定个何时会死亡。

They enable insurance companies to customize their exclusions more easily and give companies more clarity on which risks are covered and which aren't But they appear to protect the insurers more than the insured.

它们使保公司能够更轻松地定制其免责条款，并让企业更清楚哪些风是受保，哪些是。但它们似乎更多地保护了保公司而非被保。

In the insurance market, for instance, an insurance policy may act as an incentive for the person insured to take more risks because he or she knows that the insurer will cover the cost of any damages.

例如， 在保市场上，保单能会成为被保承担更多风激励， 因为他或她知道保公司会承担任何损失成本。