LLQP Accident & Sickness · Component 2.1 · 30% of the exam
A travel medical policy's 'stability period' clause requires that:
- AThe insurer be notified of the itinerary a stated number of days before departure
- BThe traveller hold provincial health coverage for a stated period before the trip
- A pre-existing condition has been unchanged and untreated for a stated period before departure
- DThe traveller remain in one country for the stated number of days before the coverage begins
Correct answer: C) A pre-existing condition has been unchanged and untreated for a stated period before departure
Stability clauses are the commonest reason travel claims are denied, because any change in medication, dosage or treatment within the window can bring the condition outside the coverage.
Why the other options are wrong
- AItinerary notice is not a condition of travel medical coverage.
- BProvincial coverage is required but is a separate eligibility condition.
- DStability refers to the traveller's health, not to time spent in a country.
Exam tip
Stability is about the condition, not about the trip.
Common mistake
Selling travel coverage without reviewing recent medication changes.
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.