意外与健康保单条款第 620 / 716 题
After an individual health policy has been in force for the period stated in the 'time limit on certain defenses,' a claim for a pre-existing condition that is NOT specifically excluded by name:
a.Can always be denied by the insurer
b.Doubles the policy's premium going forward whenever a pre-existing condition is discovered by the insurer after issue
c.Automatically voids the entire policy
d.Can never be denied merely because the condition existed before the policy took effect
解析
Once the time limit passes, the insurer cannot deny a claim solely because the condition predated the policy, unless it was specifically named and excluded. It does not void the policy or change the premium.
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)