The insuring clause of a health policy:

a.Sets out the types of losses covered and the insurer's promise to pay benefits
b.States the premium and payment mode
c.Names the policy's beneficiary
d.Lists the specific exclusions and limitations that remove certain losses from the policy's coverage

解析

The insuring clause states what the policy covers and the insurer's promise to pay. Exclusions, premium terms, and beneficiary designations are handled in other parts of the contract.

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