LLQP Accident & Sickness · Component 2.1 · 30% of the exam
A group extended health care plan typically covers:
- Drugs, paramedical services, vision, equipment, room upgrades and out-of-country emergencies
- BPhysician visits and diagnostic tests that the provincial plan does not cover in full
- CDental care only, with all medical costs left to the provincial health insurance plan
- DLong-term care in a licensed facility once the member retires from the employer
Correct answer: A) Drugs, paramedical services, vision, equipment, room upgrades and out-of-country emergencies
EHC supplements provincial plans, which already cover physician and standard hospital services. Design features control cost.
Why the other options are wrong
- BPhysician services are provincially covered.
- CDental is a separate benefit from EHC.
- DLTC is rarely a group benefit.
Exam tip
EHC = what the province does not cover: drugs, paramedical, vision, equipment, room upgrades, travel emergencies.
Common mistake
Listing physician visits as an EHC benefit.
What this tests
CISRO competency component 2.1 — Analyze the available products that meet the client's needs — which is weighted at 30% of the Accident & Sickness module. Written against the published curriculum.
More from component 2
- A group benefits booklet lists AD&D coverage alongside life and LTD. The AD&D benefit pays:
- A hospital indemnity (hospital cash) policy pays:
- Employment Insurance sickness benefits are available to:
- Which government program coordinates with an individual DI policy through a possible offset AND also affects the definition of insurable income?
- A group plan's 'eligibility waiting period' (probationary period) is:
- A CI policy that is 'convertible' allows the insured to:
Practice the whole Accident & Sickness module
Timed sets weighted like the exam, and review of every question you miss. Free to start.