LLQP Accident & Sickness · Component 2.1 · 30% of the exam
Travel medical coverage for a client with a chronic but stable heart condition will typically:
- ABe unavailable, since insurers do not write travel coverage for anyone with a cardiac history
- BExclude all cardiac conditions permanently, whatever the insured's history or current stability
- Cover emergencies unrelated to the heart, and cardiac events if the stability requirement is met
- DCover every claim, since emergency travel coverage does not consider medical history
Correct answer: C) Cover emergencies unrelated to the heart, and cardiac events if the stability requirement is met
Travel underwriting turns on stability rather than diagnosis, so a client whose treatment has not changed within the stated window can usually obtain coverage that includes the condition.
Why the other options are wrong
- ATravel coverage is widely available to clients with managed chronic conditions.
- BA permanent blanket exclusion is not the usual approach where stability is satisfied.
- DPre-existing condition and stability clauses are central to travel coverage.
Exam tip
Travel underwriting asks whether the condition has been stable, not whether it exists.
Common mistake
Assuming a chronic condition makes travel coverage impossible.
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.