Perils, Losses, and Benefits

What are the two perils most commonly associated with accident and health insurance?

Which term is defined as, “Services or supplies that are needed to diagnose or treat a medical condition and that meet accepted standards of medical practice?”

Which term is defined as, “A medical condition manifesting itself by acute symptoms of sufficient severity, including severe pain, such that a prudent layperson, would reasonably expect the absence of immediate medical attention through a hospital emergency department to result in serious danger to the person?”

What type of accident and health insurance policy typically helps pay for preventive care, medical necessities, emergency medical care, rehabilitation, and doctor and hospital bills?

Typically, how long is the benefit period for a short-term disability insurance policy?

What is the name of a disability policy that has a benefit period that can last for a few years or up to the rest of the insured’s life?

Which type of care is defined as, “A range of services that help a person meet basic person needs such as dressing, eating, bathing, going to the bathroom, transferring (moving around), and caring for incontinence.”

Which of the following is false regarding loss of income from disability (disability income) insurance policies?

What term is defined as, “A bodily injury that occurs due to an external force, that was not foreseen by the injured individual”?

Which insurance policy covers long-term care?

Which type of insurance can pay for endodontics, periodontics, prosthodontics, and orthodontics?

Which of the following is NOT is a typical exclusion found on health insurance policies?

All of the following are allowable exclusions under a Health insurance policy EXCEPT which one?