California Life, Accident and Health Cram Course Exam 1-3 Questions with complete solutions

Question #90476 Carol is injured driving a company car at work. Her Health insurance coverage: AProvides excess or supplementary coverage BWill provide coverage on a pro-rata basis with Workers Compensation CWill cover her injuries DWill not cover her since this is an occupational injury - ANSWER-D Explanation: Most Health insurance provides 'non-occupational' (off the job) coverage for sickness or injury, meaning that occupational coverage is excluded. However, if a person is not required to be covered by Workers Compensation, some Health policies will cover both on and off the job, which is known as 'occupational' coverage. Question #90486 The minimum participation percentage for large group insurance under the California code is: A50% B40% C75% D25% - ANSWER-C Explanation: The California Insurance Code requires a 75% minimum participation percentage for large group Life insurance.