意外与健康保险基础第 475 / 716 题
A 'recurrent disability' provision in a disability income policy determines:
a.The amount of any death benefit
b.Whether a return of the same disability soon after recovery is treated as a continuation of the prior claim rather than a new one
c.How the policy's premiums are calculated at issue, based on the insured's age, occupation, and health, none of which this provision addresses
d.The length of the free-look period
解析
A recurrent disability provision states that if the insured recovers and then suffers the same disability again within a short specified time (often six months), it is treated as a continuation of the original disability, so a new elimination period does not have to be served. It has nothing to do with premium calculation, the free-look period, or a death benefit. The provision protects an insured from having to satisfy a fresh waiting period when the same condition quickly returns.
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同考点相关题目
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- Unlike a Flexible Spending Account (FSA), unused funds in a Health Savings Account (HSA) at year-end:
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)