意外与健康保险基础第 505 / 716 题
An Accidental Death and Dismemberment (AD&D) policy pays:
a.A principal sum for accidental death and a capital sum, a percentage of the principal, for the accidental loss of limbs or sight
b.A monthly income benefit for any illness the insured develops, along with reimbursement of the resulting hospital and physician charges
c.Monthly long-term custodial care benefits for an insured who needs daily help with bathing, dressing, and eating
d.A guaranteed monthly retirement income beginning at the insured's normal retirement age and continuing for life
解析
AD&D coverage pays the full principal sum if the insured dies as a result of a covered accident, and pays a capital sum, a stated percentage of the principal, for the accidental loss of, or loss of use of, limbs or eyesight (for example, half the principal for the loss of one hand). It does not pay for illness, provide retirement income, or fund long-term care. AD&D is limited strictly to accidental death and dismemberment, so it is inexpensive but narrow.
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)