C
What is an accident?
Bodily harm cause by an external & unexpected means. An accident must have a specific date
What does an Accident do (what does it pay)?
Injuries & treat received due to a covered accident
What are 2 things that an accident policy may covered?
ER treatment, ambulance, hospitalization, x-ray, knee surgery
Minimum number of hours you need to be in hospital be be inpatient?
20 hours
What does EP stand for?
Elimination period
What is a Disability?
Physically or mental impairment that prevents an individual from performing tasks.
What does CI & ACC stand for
Critical Illness & Accident
Define EP.
The wait period between an injury and the date the benefits are payable.
A pathology report is needed when filing this type of claim.
Cancer claim
Another name for the Hospital policy.
Medical Bridge
In which state will residents get 3 wellness benefits per year?
California
Condition that the EE sought medical advice for/was treated for before signing up for the insurance coverage.
Pre-existing condition
If the customer was treated in the ER, they must be produce a.....?
The ER report.
If you have 3 policies with CLA and you file for a laceration benefit. Laceration is covered under all 3. How many claims should the customer file and how many payouts will they receive?
1 claim. 3 payouts
Will CI policies pay monthly payments or a lump sum payment?
Lump sum
Reconfinement means that patient is back in the hosp within 90 days for any condition that the present with. T/F
Reconfiment means they're admitted for a condition related to the condition they were initially confined for.
T/F. All CI policies will terminate after paying out 1 benefit.
False
Name 2 types of insurance policy.
Acc, Hosp, Disability, CI, Cancer
EBCN means that the premiums are received by Colonial Life through___?
Payroll/salary deductions
What is a rider?
An additional/optional service that the customer pays for, in addition to the base policy.
How many times is an insured paid out for the wellness benefit?
Once per calendar year.
To file a wellness claim the EE must have the...?
Date and type of test.
T/F. The wellness benefit can either be apart of the base plan but also as a rider.
True
ABCN & JBCN means?
Automatic Bank draft & Direct Bill (bill in the mail)
T/F. CI policies pay for the diagnosis and treatment of the covered Critical Illness
False. They pay for the diagnosis