Điều khoản hợp đồng A&HCâu 630 / 716
The coordination of benefits (COB) provision in group health coverage is designed to:
a.Prevent an insured with more than one plan from recovering more than 100% of the actual expenses
b.Double the deductible the insured owes so that the two plans together collect a larger share of the actual costs
c.Cancel the insured's secondary coverage
d.Let an insured collect full benefits from two plans and profit
Giải thích
COB establishes which plan pays first and limits total recovery to the actual expense, preventing profit from double coverage. It does not cancel coverage or raise deductibles.
Luyện miễn phí toàn bộ 716 câu hỏi — không cần đăng ký.
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Câu hỏi liên quan cùng chủ đề
- How does an elimination period differ from a probationary period?
- In a disability policy, the benefit period is:
- A pre-existing condition provision allows the insurer to:
- Under COB, when a child is covered by both parents' group plans, the 'birthday rule' usually makes the primary plan the one belonging to the parent whose:
- 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:
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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)