LLQP Accident & Sickness · Component 2.2 · 30% of the exam
A 'hospital confinement' or 'first day hospital' rider on a DI policy:
- AAdds dental coverage for any treatment required as the result of an accidental injury
- BExtends the benefit period for any disability that involves an overnight stay in hospital
- Waives the waiting period from the first day of hospitalization, easing the early cash gap
- DPays the hospital's charges for a private room for the duration of the insured's stay
Correct answer: C) Waives the waiting period from the first day of hospitalization, easing the early cash gap
The rider accelerates benefits for hospitalized insureds. It is cheap because hospital stays are short.
Why the other options are wrong
- ADental coverage has nothing to do with a hospital confinement rider.
- BThe benefit period is unaffected.
- DIt pays the income benefit, not bills.
Exam tip
Hospital rider: waiting period waived while hospitalized.
Common mistake
Confusing this rider with a hospital indemnity policy.
What this tests
CISRO competency component 2.2 — 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.