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

例，险公司不能因为被险人已有病史而拒绝承，比方说哮喘或糖尿病。

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， 险市场上，险单可能会成为被险人承担更多险激励， 因为他或她知道险公司会承担任何成本。

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.

它们使险公司能够更轻松地定制其免责条款，并让企业更清楚哪些险是受，哪些不是。但它们似乎更多地护了险公司而非被险人。

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.

人寿险与债券不同之处于，被险人和险公司都不知道该特定个人何时会死亡。

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

“健康险费根据险范围水平和被险人年龄而有所不同。”

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“道德险”——即被险人可能发生多少额外危险行为及其随之而来害。