意外与健康保单条款第 630 / 716 题
The coordination of benefits (COB) provision in group health coverage is designed to:
a.Prevent an insured with more than one plan from recovering more than 100% of the actual expenses
b.Double the deductible the insured owes so that the two plans together collect a larger share of the actual costs
c.Cancel the insured's secondary coverage
d.Let an insured collect full benefits from two plans and profit
解析
COB establishes which plan pays first and limits total recovery to the actual expense, preventing profit from double coverage. It does not cancel coverage or raise deductibles.
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同考点相关题目
- How does an elimination period differ from a probationary period?
- In a disability policy, the benefit period is:
- A pre-existing condition provision allows the insurer to:
- Under COB, when a child is covered by both parents' group plans, the 'birthday rule' usually makes the primary plan the one belonging to the parent whose:
- Subrogation in a health or medical policy allows the insurer, after paying a claim caused by a third party, to:
- The main purpose of subrogation is to:
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)