LLQP Accident & Sickness · Component 2.1 · 30% of the exam
A new employer offers an extended health care plan. That private coverage exists mainly because provincial plans typically do NOT cover:
- AStandard ward accommodation in a public hospital during a medically necessary admission
- BMedically necessary surgery performed by a licensed physician in a public hospital
- CVisits to a family physician or specialist for the diagnosis and treatment of an illness
- Drugs outside hospital for most working-age adults, dental, vision and most paramedical services
Correct answer: D) Drugs outside hospital for most working-age adults, dental, vision and most paramedical services
These gaps define the private extended health market. Coverage varies by province (some have drug plans for seniors, children or catastrophic costs).
Why the other options are wrong
- AStandard ward care is covered.
- BNecessary surgery is covered.
- CPhysician services are core provincial coverage.
Exam tip
Provincial gaps: drugs, dental, vision, paramedical, travel.
Common mistake
Assuming provincial plans cover prescription drugs for everyone.
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.