The different elements of risk brought to the common pool by each of the policyholders are known as:

The correct answer refers to the concept of the different elements of risk that each policyholder brings to the common pool, which is a fundamental principle in insurance. This principle indicates that individuals contribute their unique risks to a collective group, allowing insurers to manage these risks more effectively.

Discrimination factors specifically relate to how insurers assess and differentiate among various risk profiles of different policyholders to determine premiums and coverage terms. By understanding the distinct characteristics of each risk contributed by policyholders, insurers can implement pricing strategies that reflect the likelihood of claims associated with those specific risks, thereby maintaining the equilibrium of the risk pool.

This addresses the broad spectrum of individual risk attributes, such as age, health conditions, occupation, and lifestyle choices, which can influence the likelihood of any claims being made. Through analysis of these factors, insurance providers can create more equitable systems for premium distribution and claims management.

In contrast, the other options do not appropriately define the collective elements of risk that policyholders contribute. Claim predictions involve forecasting claims based on available data, equitable contributions pertain to fair distribution of costs among policyholders, and homogeneous exposures refer to similar risk types within a group rather than the unique risk elements brought by each individual policyholder.