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Eastern Cape, Free State, Gauteng, KwaZulu-Natal, Mpumalanga, North-West, Northern Cape, Northern Province, Western Cape.

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From The Glossary »

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Adverse Selection:

The tendency for poorer risks (less-desirable insureds) to seek insurance, to continue insurance, or to select options of settlement that are favourable to them, to a greater extent than do good risks (more desirable insureds). See anti-selection and selection against.
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