Cơ bản về Tai nạn & Sức khỏeCâu 502 / 716
A hospital indemnity (hospital confinement) policy pays:
a.Only the cost of surgery performed during the insured's hospital stay, and nothing else
b.A fixed dollar amount for each day the insured is hospitalized, never an itemized reimbursement
c.The exact amount of the hospital's itemized bill for each confinement after the deductible and coinsurance
d.Nothing toward a hospital stay unless the insured is also confined in intensive care
Giải thích
A hospital indemnity policy pays a predetermined flat amount (for example, a set dollar figure per day of confinement) whenever the insured is hospitalized, no matter what the actual bill is, and the insured may use the cash for any purpose. It does not reimburse the exact bill (that is a medical expense plan), is not limited to surgery, and does provide a hospital benefit. Because it is a limited, fixed-benefit product, it supplements rather than replaces comprehensive medical coverage.
Luyện miễn phí toàn bộ 716 câu hỏi — không cần đăng ký.
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Câu hỏi liên quan cùng chủ đề
- A 'conditionally renewable' policy allows the insurer to decline renewal:
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- An accident-only policy covers:
- A specified (dread) disease policy pays benefits:
- An Accidental Death and Dismemberment (AD&D) policy pays:
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Đội ngũ PrepPass · Đối chiếu với California Life & Health Insurance License Exam · Quy trình kiểm tra
Người kiểm duyệt John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — kiểm tra)