意外与健康保单条款第 632 / 716 题
Subrogation in a health or medical policy allows the insurer, after paying a claim caused by a third party, to:
a.Retain all of the insured's future premiums
b.Deny the claim it already paid and demand that the insured personally return all of the benefit money received
c.Recover the amount paid from the responsible third party or from the insured's recovery against that party
d.Increase the insured's benefits going forward
解析
Subrogation lets the insurer step into the insured's shoes to recover its payment from the at-fault party. It does not undo the claim, seize premiums, or raise benefits.
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同考点相关题目
- A pre-existing condition provision allows the insurer to:
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- The main purpose of subrogation is to:
- A recurrent disability provision states that if an insured returns to work but becomes disabled again from the same cause within a stated time (such as 6 months), it is treated as:
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)