LLQP Accident & Sickness · Component 2.1 · 30% of the exam
The 'transplant' and 'cosmetic surgery' provisions in some DI policies:
- Treat disability from organ donation or cosmetic surgery as sickness, so benefits are payable
- BPay double the monthly benefit for any disability that follows the donation of an organ to a relative
- CCover such disabilities only if they result from an accident that occurs during the procedure itself
- DExclude both events entirely, on the basis that the insured chose to undergo the procedure voluntarily
Correct answer: A) Treat disability from organ donation or cosmetic surgery as sickness, so benefits are payable
These provisions extend coverage to voluntary medical events that would otherwise be arguable. They are favourable features to note when comparing contracts.
Why the other options are wrong
- BThe normal benefit applies.
- CThey are treated as sickness, not accident.
- DThe provision includes, rather than excludes, them.
Exam tip
Transplant donor and cosmetic surgery disabilities are deemed sickness under many policies.
Common mistake
Assuming elective surgery disabilities are never covered.
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.