LLQP Accident & Sickness · Component 1.2 · 35% of the exam
A client says she does not need private health coverage because her province "covers everything". The agent should explain that provincial plans cover:
- AEmergency treatment only, with routine physician visits paid privately
- Hospital and physician services, with limited drug, dental, vision and paramedical coverage
- CAll medical costs for residents over 65, and hospital care only for younger residents who pay premiums
- DEvery medically necessary service, including prescription drugs and dental care
Correct answer: B) Hospital and physician services, with limited drug, dental, vision and paramedical coverage
The curriculum lists provincial health and disability plans under government coverage and the rationale to supplement provincial coverage. Private EHC fills the gaps.
Why the other options are wrong
- APhysician services, not just emergencies, are core provincial coverage.
- CProvincial plans cover residents of all ages; senior drug plans are a separate add-on in some provinces.
- DDrugs outside hospital, dental and vision are largely private-plan territory.
Exam tip
Provincial plans: hospital and physician. Private EHC: drugs, dental, vision, paramedical.
Common mistake
Telling a client provincial coverage makes private health insurance unnecessary.
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.