LLQP Accident & Sickness · Component 4.2 · 10% of the exam
A travel medical claim while abroad should be handled by:
- AWaiting until the traveller returns home, since claims can only be assessed once the insurer has the full file
- Contacting the assistance line promptly, since pre-authorization and direct billing are typical requirements
- CPaying the foreign hospital in full and submitting the receipts later, since reimbursement is guaranteed
- DCalling the agent only, since the agent is the traveller's point of contact for every matter under the policy
Correct answer: B) Contacting the assistance line promptly, since pre-authorization and direct billing are typical requirements
Travel policies require notification to the assistance provider. Non-compliance can lead to reduced benefits.
Why the other options are wrong
- ADelay breaches the notification requirement.
- CUnauthorized care may not be reimbursed.
- DThe assistance line is the required contact.
Exam tip
Travel claim: call the assistance line immediately.
Common mistake
Failing to tell a traveller about the assistance line requirement.
What this tests
CISRO competency component 4.2 — Provide customer service during the validity period of the coverage — which is weighted at 10% of the Accident & Sickness module. Written against the published curriculum.
More from component 4
- The agent's role in the claims process is to:
- A client with a non-cancellable DI policy stops paying premiums after a dispute with the insurer about a claim. The agent should warn that:
- When a client moves to another province, the agent should:
- A client asks to reduce the waiting period on his in-force disability policy. The agent should explain that the change:
- A client's disability policy lapsed six weeks ago for non-payment. The agent should:
- A client on claim asks whether she must keep paying premiums. The accurate answer depends on:
Practice the whole Accident & Sickness module
Timed sets weighted like the exam, and review of every question you miss. Free to start.