ch.4: INS TO PROTECT SAVINGS: INDIVIDUAL HEALTH INS.

Question 1

Individual Extended Health ins

Answer 1

• used to top up protection by prov. health care plans for ppl whpo are not members of group plan OR enhance coverage of group plan

Question 2

Types of individual health coverage (3)

Answer 2

• medical
• dental
• travel

Question 3

IHC: medical care

Answer 3

HELPS WITH COSTS OF REGULAR/ EMERG MEDICAL CARE

Question 4

IHC: medical care— coverage provided

Answer 4

• extended health care
• prescritption drugs
• AD&D
• dental
• vision
• emergency trael medical services

Question 5

IHC: MEDICAL CARE— travel ins

Answer 5

• covers wide ariety of thongs for pppl travelling outside proince, like:
  emergency medical exp
  lost / damaged luggae
  trip cancellation
  return home for ill/injured traeller

Question 6

IHC: medical care– travel ins coverage w cc

Answer 6

• cerage more limited than that from insurer
• ubderwritten at time of claim (no medical upfront)
• does not cover peexisting conditions from 90-180 days prior
• conditions that are before 90-180 days but chronic (i.e diabetes)— restricted coverage

Question 7

IHC: travel insurance exclusions

Answer 7

• attempted suicide
• self inflicted injuries
• act of war
• normal pregnancy
• drug/alcohol use
• engazging in hazaardous activities (i.e sscuba diving)
• going to coutries on watch list
• medical treatment for non emergencies

Question 8

4.3: group extended health coverage (GEHC)

Answer 8

• cover broad range of medical services and products not covered by prov. + w/o medical underriting

Question 9

GEHC group extended healthcare coverage, covers:

Answer 9

• prescription drugs
• enhanced medical and hospital care
• dental care
• vision care
• AD&D

Question 10

GEHC: enhanced medical benefits (not from prov) covers

Answer 10

• chiropractors
• massage therapists
• naturopaths
  -optometrists