房屋保险单(HO)第 361 / 531 题
Coverage F pays reasonable medical expenses for an injured person provided the expenses are:
a.incurred within a set time of the accident
b.billed before the policy period ends
c.unpaid by the injured person's health plan
d.approved by the insurer before treatment
解析
Medical payments to others is built to close small claims quickly: it pays necessary medical, surgical, dental and funeral expenses for an injured person, provided those expenses are incurred or the injury is medically ascertained within the period stated in the form after the accident. Nothing requires the insurer to approve treatment first, and the coverage does not wait for the injured person's own health plan to be exhausted.
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