A&H Policy ProvisionsQuestion 635 of 716
An impairment (exclusion) rider on a health policy:
a.Lowers the policy's deductible for the named pre-existing condition
b.Adds supplemental benefits for one specified condition in exchange for extra premium
c.Guarantees the policy's renewal regardless of the insured's later health
d.Permanently excludes coverage for a specified condition or body part
Explanation
An impairment rider excludes a particular condition the applicant already has, allowing the insurer to issue coverage for everything else. It does not add coverage, cut deductibles, or guarantee renewal.
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Related questions on this topic
- Subrogation in a health or medical policy allows the insurer, after paying a claim caused by a third party, to:
- The main purpose of subrogation is to:
- A recurrent disability provision states that if an insured returns to work but becomes disabled again from the same cause within a stated time (such as 6 months), it is treated as:
- A 'noncancelable' health policy guarantees that the insurer:
- A 'guaranteed renewable' health policy allows the insurer to:
- A conditionally renewable health policy permits the insurer to non-renew:
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PrepPass team · Verified against California Life & Health Insurance License Exam · How we review
Reviewed by John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verify)