Malus niedzwetzkyana Malus niedzwetzkyana Malus niedzwetzkyana, or Niedzwetzky's apple, is a kind of apple native to certain parts of China, Afghanistan, Kazakhstan, Kyrgyzstan, and Uzbekistan noted for its red-fleshed, red-skinned fruit and red flowers. Some botanists consider it a distinct species, while others have argued it is simply an unusual variety of the common apple, "Malus pumila". Niedzwetzky's apple is rare, often growing as an isolated tree, and is endangered throughout its range by agricultural encroachment and logging operations. Only 111 specimens of the tree are known to survive in Kyrgyzstan. The conservation group Fauna & Flora International is working to save
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