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答案：
A
保险公司X
虑一项新政策，包括对遭受疾病困扰的老人提供需要的服务。这项政策的保费足够低以吸引客户。因此，公司X担心此政策的收入不足以负担索赔。
问题问如何最小化X公司Loss
Loss = claim – premium； loss最小，就是Claim最小，或premium最大
A 吸引很多年都不可能索赔的中老年客户； 最小化claim， 正确
B 只对那些小时候不得严重疾病的人提供保险；小时候不得病 ≠ 成年病少
C 此政策比其他低成本政策 提供更大量服务；更多服务，更多成本，Loss增大，方向反
D 只对那些被其他相同政策公司拒绝的人提供保险；被其他公司拒绝，说明风险大，Claim可能性大，方向反
E 只对那些足够有钱，够付医药服务的人提供保险； 富人依然会索赔，如果本身容易得病，排 
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