Cream skimming in the insurance market and mechanisms that exist to reduce its effect / Rosmi Yuhasni Mohamed Yusuf

• Main Author: Mohamed Yusuf, Rosmi Yuhasni
• Format: Conference or Workshop Item
• Language: English
• Published: 2003
• Subjects: Insurance; Insurance business. Insurance management; Health insurance
• Online Access: https://ir.uitm.edu.my/id/eprint/58380/1/58380.PDF; https://ir.uitm.edu.my/id/eprint/58380/

Attempts to attract low risk clients or equivalently to discourage those with high risk from signing up an insurance policy are often referred to in the literature as cream skimming or cherry picking. This paper intends to explain the extent of cream skimming as a practice that could lead to the ove...