Phlorizin Phlorizin Phlorizin (also referred to as phloridzin; chemical name phloretin-2'-β--glucopyranoside) is a glucoside of phloretin, a dihydrochalcone, a family of bicyclic flavonoids, which in turn is a subgroup in the diverse phenylpropanoid synthesis pathway in plants. Phlorizin is found primarily in unripe "Malus" (apple), root bark of apple, trace amounts have been found in strawberry. In "Malus", it is most abundant in vegetative tissues (such as leaves and bark) and seeds. Closely related species, such as pear ("Pyrus communis"), cherry, and other fruit trees in the "Rosaceae" do not contain phloridzin. Phloridzin is a phytochemical that belongs to the class
Bonus-malus policy if no claim is made in the previous year. Malus is an increase in the premium if there is a claim in the previous year. Bonus-malus systems are very common in vehicle insurance. This system is also called a no-claim discount (NCD) or no-claims bonus in Britain and Australia. The fundamental principle of BMS is that the higher the claim frequency of a policyholder, the higher the insurance costs that on average are charged to the policyholder. This principle is also valid in an insurance arrangement consisting of a high maximum deductible which is common to all policyholders. Most