LLQP Accident & Sickness · Component 2.1 · 30% of the exam
A group travel benefit that covers members 'for trips of up to sixty days' means that:
- Coverage ends after sixty days abroad, even if the member is in hospital at that point
- BThe plan covers sixty days of hospital care for each trip the member takes
- CThe member must be outside the province for sixty days before coverage begins
- DThe member has sixty days in which to file a claim after returning to their home province
Correct answer: A) Coverage ends after sixty days abroad, even if the member is in hospital at that point
A trip-length limit is a hard boundary, and a member who overstays it is uninsured for the balance of the trip, which is a common gap for retirees and extended travellers.
Why the other options are wrong
- BThe limit is on the trip's length, not on days of hospital care.
- CThe limit caps the trip, it does not delay the start of coverage.
- DClaim filing deadlines are a separate provision.
Exam tip
Trip-length limits are counted from departure, and they end coverage abruptly.
Common mistake
Assuming a group travel benefit covers a whole winter abroad.
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.