意外与健康保险基础第 470 / 716 题
A 'calendar-year' deductible in a medical plan means the insured must satisfy the deductible:
a.Once during each year, after which the plan begins paying its share
b.Only once in the insured's entire lifetime, after which it would never apply again
c.Fresh at the start of every month
d.Separately for each different illness
解析
A calendar-year (or annual) deductible must be met once during each year; once the insured's covered costs reach that amount, the plan pays its share for the rest of the year, and the deductible resets the following year. A deductible applied to each separate illness is a per-cause deductible. It is not a one-time lifetime deductible, and it does not reset monthly. The calendar-year structure is the most common deductible design in medical expense plans.
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同考点相关题目
- Once an insured's covered out-of-pocket expenses reach the plan's 'stop-loss' (out-of-pocket maximum) for the year, the plan generally:
- The two broad categories of health insurance are:
- Basic medical expense coverage differs from major medical coverage mainly because basic coverage typically:
- A 'family deductible' provision in a medical plan generally:
- The 'coordination of benefits' (COB) provision in group health insurance is designed to prevent:
- Individual disability income policies typically limit the benefit to roughly 60 percent of the insured's earned income in order to:
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)