CH : 2 Health Insurance

Question 1

Main classes of risk to which an individual is exposed

Answer 1

Death or Bodily Injuiry

Question 2

Which insurancea can also provide compensation in the event of death and for serious injury by accident

Answer 2

Personal Accident Insurance

Question 3

Which insurance can be arranged to provide fpr disablement due to sickness

Answer 3

Sickness Insurance

Question 4

Cover for individuals who seek medical treatment outside the NHS

Answer 4

Medical expenses

Question 5

Which insurance can also mitigate loss of income and any additional expenses incurred if any individual is unable to work

Answer 5

Personal Accident Insurance

Question 6

Main rating factor for the personal Accident

Answer 6

Occupation of the proposer

Question 7

True or false
Personal Accident and sickness policy is contract of indemnity

Answer 7

False

It’s not a contract of Indemnity

Question 8

Personal Accident and sickness policy is often available in

Answer 8

Units ( I.e defined levels of cover )

Question 9

Personal Accident and sickness policy can be often purchased as ab add on under

Answer 9

Travel insurance
Motor Insurance
Household Insurance

Question 10

Which policy is usually subject to a time franchise ( which is generally 7 days )

Answer 10

Sickness benefit

Question 11

What operates as thresholds to determine whether a claim is payable

Answer 11

Franchises

Question 12

Death must occur within how many days/ months / yr of the event giving rise to the claim

Answer 12

12 months

Question 13

Sickness cover excludes sickness contracted within how many days

Answer 13

First 21 days of the commencement