意外与健康保险基础第 486 / 716 题
Under a 'guaranteed renewable' health policy, the insurer:
a.May refuse to renew if the insured's health worsens
b.May raise an individual's premium based on that person's own claims experience alone
c.May cancel the policy at each renewal date
d.Must renew the policy but may adjust premiums only for an entire class of insureds
解析
A guaranteed renewable policy requires the insurer to renew the coverage (usually to a stated age) and forbids singling out an individual for a rate increase or nonrenewal; premiums can be changed only for an entire class of similar policyholders. The insurer cannot cancel at renewal, cannot raise one person's premium for their own claims, and cannot refuse renewal because health declined. This provision sits between the stronger noncancelable and weaker conditionally renewable forms.
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同考点相关题目
- In an HMO, the primary care physician often serves as a 'gatekeeper,' which means the physician:
- A Point-of-Service (POS) health plan is best described as:
- Many disability income policies include a waiver of premium feature that:
- A 'conditionally renewable' policy allows the insurer to decline renewal:
- An 'optionally renewable' health policy gives the insurer the right to:
- On-the-job injuries and illnesses of most employees are typically covered by:
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)