Malus hupehensis ‘from Hubei province, China’. ‘Hubei’ was formerly spelled ‘’Hupeh’ or ‘Hupei’ in English. Malus hupehensis Malus hupehensis, common names Chinese crab apple, Hupeh crab or tea crabapple, is a species of flowering plant in the apple genus "Malus" of the family Rosaceae. It is native to China. "Malus hupehensis" is a vigorous deciduous tree growing to tall and broad. It has pink buds, opening to fragrant white blossoms in Spring. It produces bright red, cherry-sized crab-apples in the Autumn. The plant is cultivated as an ornamental tree, for planting in gardens. It has gained the Royal Horticultural Society's Award of
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