意外与健康保单条款第 515 / 716 题
Under the misstatement of age provision in a health policy, if the insured's age was understated on the application, the benefits are:
a.Adjusted to the amount the premium actually paid would have purchased at the insured's correct age
b.Automatically doubled as a penalty on the insurer for accepting an application that stated an incorrect age
c.Voided entirely, ending the policy
d.Left completely unchanged
解析
The misstatement of age provision does not void the policy; instead, if the age was misstated, the benefit is adjusted to what the premiums paid would have bought at the true age, so an understated age (which meant an underpaid premium) results in a proportionately reduced benefit. The policy is not canceled, benefits are not doubled, and they are not left unchanged. This keeps the insurer's payout consistent with the premium that was actually charged.
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)