意外与健康保险基础第 468 / 716 题
The two broad categories of health insurance are:
a.Property coverage and casualty coverage, a separate branch of insurance entirely
b.Fixed coverage and variable coverage
c.Life insurance and annuities
d.Medical expense coverage and disability income coverage
解析
Health insurance divides into medical expense coverage, which pays for care such as hospital, physician, and surgical services, and disability income coverage, which replaces part of the income lost when the insured cannot work. Life insurance and annuities are separate product lines. Property and casualty is a different branch of insurance entirely. Fixed and variable describe how certain life and annuity products are invested, not health insurance categories. Recognizing these two purposes, paying medical bills versus replacing income, frames all health coverage.
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)