1. Which of the following health insurance policy provisions allows
aninsurer to deny a claim that does not occur during the
... [Show More] policy
period?
AReinstatement provision
BInsuring clause
COwnership provision
DConsideration clause: answer- B insuring clause
The insuring clause specifies the time frame of the policy period which
is generally one year. Therefore, accidents or illnesses occurring prior to
the policy's inception date are not covered. (1416)
2. Which of the following statements is true with regard to
limitedhealth policies?
ALimited policies protect against gaps in coverage that exist in other plans
BLimited policies provide benefits for cancer only
CLimited policies must state clearly what coverage they provide
DLimited policies cover scheduled surgical expenses if not covered by
major medical plans: answer- c limited policies must state clearly what
coverage they provide
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Limited policies pay benefits for an individual illness or an accident.
These policies must state prominently that they are limited in nature.
Cancer only or dread disease plans are two common types of limited
health insurance policies. (1175)
3. AD&D coverage provides all of the following benefits, EXCEPT:
ADeath as a result of an accident
BCapital sum benefits
CBenefits for loss of sight due to an illness
DLoss of use of limbs caused by an accident: answer- c benefits for loss of
sight due to an illness
Accidental death and dismemberment coverage, whether provided as a
rider or an individual policy, does not provide benefits for an insured as a
result of an illness. (1318)
4. To be eligible for coverage under Part C of Medicare, an individual
doesnot have to prove that he or she is insurable if enrollment occurs
during what period of time following the attainment of age 65?
AOne month
BThree months
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CSix months
DTwelve months: c six months
No evidence of insurability is required if enrollment occurs during a six-
month period following the individual's 65th birthday. After this six
month period the individual must prove that he or she is insurable.
(4132) [Show Less]