Offering insurance coverage through an optional rider would likely cause the most problems with adverse selection for which condition?

Question

Quizplus · Accepted Answer

HIV/AIDS treatment is more likely to attract individuals who believe they are at higher risk of needing the coverage, thus leading to adverse selection. People who know they have a higher chance of contracting HIV/AIDS or already have it are more likely to opt for this insurance, skewing the risk pool and potentially increasing costs for the insurer.

Offering Insurance Coverage Through an Optional Rider Would Likely Cause