意外与健康保险基础第 502 / 716 题
A hospital indemnity (hospital confinement) policy pays:
a.Only the cost of surgery performed during the insured's hospital stay, and nothing else
b.A fixed dollar amount for each day the insured is hospitalized, never an itemized reimbursement
c.The exact amount of the hospital's itemized bill for each confinement after the deductible and coinsurance
d.Nothing toward a hospital stay unless the insured is also confined in intensive care
解析
A hospital indemnity policy pays a predetermined flat amount (for example, a set dollar figure per day of confinement) whenever the insured is hospitalized, no matter what the actual bill is, and the insured may use the cash for any purpose. It does not reimburse the exact bill (that is a medical expense plan), is not limited to surgery, and does provide a hospital benefit. Because it is a limited, fixed-benefit product, it supplements rather than replaces comprehensive medical coverage.
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)