Principles of Risk Management and Insurance, 13th Edition

H

• Hackers, 74

• Hail, homeowners insurance and, 490

• “Hard” insurance market, 75–76

• Hazards, 191. See also Moral hazard

  • attitudinal, 5, 191, 194

  • definition of, 5

  • extraordinary, and exclusions, 191

  • legal, 5

  • morale, 5, 191, 194

  • physical, 5

• HCC Insurance, 77

• HDHP (high-deductible health plan), 339–342

• Health, poor, as personal risk, 8–9

• Healthcare costs, 8–9

• Healthcare expenditures (U.S.)

  • administrative costs and, 302

  • comparison with foreign countries, 300–301

  • cost shiftng by Medicare and Medicaid and, 302–303

  • defensive medicine and, 303

  • employer-sponsored health insurance and, 302

  • fee-for-service defects and, 302

  • lack of cost/benefit data and, 302

  • projections for, 300

  • rise in, 300–303

  • rising prices and, 303

  • state-mandated benefits and, 302

  • technology ...