J Law Med Ethics. 2022;50(1):139-154. doi: 10.1017/jme.2022.18.
Anti-selection occurs when information asymmetry exists between insurers and applicants. When an applicant knows they are at high risk of loss, but the insurer does not, the applicant may try to use this knowledge differential to secure insurance at a lower premium that does not match risk.
当保险公司和申请人之间存在信息不对称时，就会出现逆向选择。当申请人知道自己面临高损失风险，但保险公司不知道时，申请人可能会试图利用这种知识差异以较低的保费获得不匹配风险的保险。
