LLQP Accident & Sickness · Component 1.2 · 35% of the exam
A client asks whether his provincial health plan covers an ambulance ride. The accurate answer is that:
- Coverage varies by province and a user charge is common, which private plans often reimburse
- BAmbulance services are fully covered in every province as an insured hospital service
- CAmbulance costs are covered only for patients who are admitted to hospital after the trip
- DAmbulance charges are never covered anywhere and must always be paid by the patient
Correct answer: A) Coverage varies by province and a user charge is common, which private plans often reimburse
Ambulance charges sit outside the core insured services in most provinces, so a user fee is typical and extended health plans commonly pick it up.
Why the other options are wrong
- BFull provincial coverage of ambulance services is the exception rather than the rule.
- CAdmission is not the general test for whether a charge applies.
- DSome provinces subsidize the service heavily, and private plans reimburse the balance.
Exam tip
Ambulance is a classic gap between the public plan and private coverage.
Common mistake
Assuming every medically necessary service is covered by the province.
What this tests
CISRO competency component 1.2 — Assess the client's needs and situation — which is weighted at 35% of the Accident & Sickness module. Written against the published curriculum.
More from component 1
- The single most important fact for sizing a client's disability income need is:
- A client's beneficiaries for assets are listed in the fact-finding. Why does this matter for A&S planning?
- A client asks why the agent wants to know how assets are owned (jointly or individually). In the A&S context the answer is:
- A client mentions a back injury five years ago that fully resolved. The agent should:
- Which element of a client's situation most affects the definition of disability that should be recommended?
- Which of the following health facts is most relevant to a client's disability insurance situation?
Practice the whole Accident & Sickness module
Timed sets weighted like the exam, and review of every question you miss. Free to start.