求助一道关于不对称信息的题~谢谢~

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关于不对称信息的题目。 求助哇。  请问在2个合约中的probability of claim可以说是各自的高风险低风险的生病的几率么 或者说是一样的呢  题目在后面插入的jpg格式图片里~谢谢咯

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关键词：不对称信息 不对称 Probability bability Ability 微观经济学 不对称信息

If you consider two different types of consumer, with high probability to claim or ill and another type of consumer with lower probability of illness, then certainly the p is different.  Then if the consumer is observable. Then the insurance will based on the two types' utility curve and the company' insurance level. If the type is unobservable, as you have the condition, the company will choose a insurance level to try to attract both type but not trap into a loss as there is always the problem of moral hazard. Hope this help.