意外与健康保险基础第 504 / 716 题
A specified (dread) disease policy pays benefits:
a.For accidental bodily injury only, never for any diagnosed illness
b.For routine dental cleanings and other preventive services the insured schedules
c.For any illness or injury the insured develops over the life of the policy
d.Only for a named disease listed in the policy, never for any other
解析
A specified or dread disease policy pays benefits only if the insured is diagnosed with a particular disease named in the contract, most commonly cancer, and pays nothing for other conditions. It is not general coverage for any illness, not an accident policy, and not dental coverage. Because its benefits are limited to one disease, it is a supplemental product, and producers must be careful not to let a consumer treat it as comprehensive health insurance.
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同考点相关题目
- On-the-job injuries and illnesses of most employees are typically covered by:
- A hospital indemnity (hospital confinement) policy pays:
- An accident-only policy covers:
- An Accidental Death and Dismemberment (AD&D) policy pays:
- Dental insurance plans commonly organize covered services into categories of:
- A future increase option (guaranteed insurability) rider on a DI policy lets the insured:
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)