LLQP Accident & Sickness · Component 2.2 · 30% of the exam
A 'medical/hospital expense' rider on a travel or health policy typically:
- AAdds dental coverage for emergency treatment required while the insured is travelling away from home
- Extends coverage to specific added expenses such as ambulance, private nursing or equipment, up to maximums
- CReplaces lost income for the days the insured is unable to work because of a medical emergency abroad
- DConverts the health policy into a disability benefit if the illness continues for longer than thirty days
Correct answer: B) Extends coverage to specific added expenses such as ambulance, private nursing or equipment, up to maximums
Expense riders broaden reimbursement categories. They are minor add-ons compared with DI/CI riders.
Why the other options are wrong
- ADental is typically a separate benefit.
- CExpense riders reimburse costs, not income.
- DThey are health-expense features, not disability benefits.
Exam tip
Health expense riders extend reimbursement categories with maximums.
Common mistake
Overstating minor expense riders in a recommendation.
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.