意外与健康保单条款第 516 / 716 题
A 'probationary period' in a health insurance policy is:
a.The period allowed after delivery during which the policyowner may return the new policy and receive a full refund of the premium paid
b.The number of additional days of leeway allowed for paying a renewal premium after its due date without a lapse
c.A schedule setting out the dates on which the policyowner's premium payments fall due in each year of coverage
d.An initial waiting period after the policy takes effect before benefits for certain conditions, such as sickness, are covered
解析
A probationary period is an initial span of time (often the first few weeks) after the policy's effective date during which losses from certain causes, commonly sickness, are not yet covered, reducing the risk of insuring someone already becoming ill. It is not the free-look period, the grace period, or a payment schedule. The probationary period is a one-time waiting period at the start of coverage, distinct from the recurring grace period for premium payments.
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同考点相关题目
- The mandatory 'legal actions' provision prevents an insured from bringing a lawsuit against the insurer until:
- The optional 'change of occupation' provision allows the insurer to adjust benefits or premiums if the insured:
- Under the misstatement of age provision in a health policy, if the insured's age was understated on the application, the benefits are:
- The free-look provision in a health insurance policy allows the policyowner to:
- The insuring clause of a health insurance policy:
- An impairment (exclusion) rider attached to a health insurance policy:
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)