We study the optimal insurance design problem. This is a risk sharing problem between an insured and an insurer. The main novelty in this paper is that we study this optimization problem under a risk-adjusted premium calculation principle for the insurance cover. https://www.bekindtopets.com/flash-choice-Sensationnel-Empire-Bump-100-Human-Hair-Weave-FEATHER-WRAP-8-mega-find/