Accident &health polices

A business wants to make sure that if a key employee becomes disabled, the business will be protected from any resulting loss. Which kind of insurance will protect the business?

Business Disability

Which of the following allows the insurer to relieve a minor insured from premium payments if the minors parents have died or become disabled

Payor benefit

Which type of HMO are physicians actually paid employees of the HMO practicing in the HMO own facility

Staff

Which of the following definitions would make it easier to qualify for total disability benefits

The more liberal "own occupation"

In a relative value system of determining coverage for a given procedure what term describes the total amount payable per point

conversion factor

A hospital indemnity policy will pay

A benefit for each day the insured is in a hospital.

Which of the following is NOT covered by health maintenance organization

Elective services

Under the affordable care act which classification applies to health plans based on the amount of covered costs

Metal level classification

If an insured is not required to pay a deductible what kind of coverage does he/she have

first dollar