意外与健康保单条款第 627 / 716 题
How does an elimination period differ from a probationary period?
a.The probationary period applies once at the start of the policy to new sickness claims, while the elimination period is the waiting time after each disability begins before benefits are paid
b.Neither one has any effect on when benefits are paid, because both are only administrative labels the insurer uses when it sets up the policy file at issue
c.The elimination period applies only to death claims under the policy, while the probationary period is the waiting time that applies to every disability claim the insured files
d.They are two different names for the same single waiting period, applied one time when the policy is first issued and never applied again to any later claim or to a subsequent disability of the insured
解析
The probationary period is a single initial wait; the elimination period recurs, delaying benefits after each covered disability starts. Both affect benefits, and neither concerns death claims specifically.
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同考点相关题目
- The optional 'illegal occupation' and 'intoxicants and narcotics' provisions let the insurer deny claims for losses that:
- The insuring clause of a health policy:
- A probationary period in a health policy is:
- In a disability policy, the benefit period is:
- A pre-existing condition provision allows the insurer to:
- The coordination of benefits (COB) provision in group health coverage is designed to:
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)