I
,SR3702 Assignment 2 Semester 2 Memo | Due 15
MULTIPLE CHOICE,ASSURED EXCELLENCE
1. Describe life (life-course) policies / services covered by
National Health Insurance (2)
The NHI benefit package is designed to be comprehensive
across the life course — it covers preventive, promotive,
curative, rehabilitative and palliative health services for
individuals from birth to old age. In practice this includes
maternal and child health services (antenatal care, deliveries,
immunisation), primary care (screening, chronic-disease
management such as HIV/TB and non-communicable diseases),
emergency care, hospital care where needed, rehabilitative
services and palliative care. The NHI framework states that NHI
will purchase comprehensive personal health service benefits
from contracted public and private providers and seeks
universal coverage for citizens and permanent residents.
HSTNational Department of HealthPMC
2. Five policy clauses common in life-insurance contracts that
do not apply to the NHI (10)
NHI is a public health-funding/coverage mechanism, not a life-
insurance product. Therefore many standard life-insurance
contract clauses are irrelevant. Five examples:
, 1. Beneficiary designation clause — life policies let the
policyholder name beneficiaries who receive a death
benefit. NHI does not pay a death benefit to beneficiaries;
it pays for health services. eFinancial
2. Sum-assured / maturity benefit clause — life insurance
specifies a fixed sum payable on death or maturity. NHI
does not provide lump-sum payouts or maturities; it funds
service delivery. Wikipedia
3. Suicide / contestability clause — life policies often have a
contestability period and suicide exclusion for early claims.
NHI does not operate by contesting death claims — it
purchases/ pays for health services and does not have
contestability/suicide payout rules. Western & Southern
4. Surrender / cash-value clause (for whole/with-profits
policies) — life products may accrue surrender/cash values
or investment returns; NHI contains no savings or
surrender value component. Wikipedia
5. Premium, underwriting and policy lapse clauses — life
policies are private contracts with underwriting, premium
schedules, grace periods and lapse rules; NHI is financed
by the public fund (taxes/contributions) and sets
entitlements, not individual premium/underwriting terms.
National Department of Health+1
,SR3702 Assignment 2 Semester 2 Memo | Due 15
MULTIPLE CHOICE,ASSURED EXCELLENCE
1. Describe life (life-course) policies / services covered by
National Health Insurance (2)
The NHI benefit package is designed to be comprehensive
across the life course — it covers preventive, promotive,
curative, rehabilitative and palliative health services for
individuals from birth to old age. In practice this includes
maternal and child health services (antenatal care, deliveries,
immunisation), primary care (screening, chronic-disease
management such as HIV/TB and non-communicable diseases),
emergency care, hospital care where needed, rehabilitative
services and palliative care. The NHI framework states that NHI
will purchase comprehensive personal health service benefits
from contracted public and private providers and seeks
universal coverage for citizens and permanent residents.
HSTNational Department of HealthPMC
2. Five policy clauses common in life-insurance contracts that
do not apply to the NHI (10)
NHI is a public health-funding/coverage mechanism, not a life-
insurance product. Therefore many standard life-insurance
contract clauses are irrelevant. Five examples:
, 1. Beneficiary designation clause — life policies let the
policyholder name beneficiaries who receive a death
benefit. NHI does not pay a death benefit to beneficiaries;
it pays for health services. eFinancial
2. Sum-assured / maturity benefit clause — life insurance
specifies a fixed sum payable on death or maturity. NHI
does not provide lump-sum payouts or maturities; it funds
service delivery. Wikipedia
3. Suicide / contestability clause — life policies often have a
contestability period and suicide exclusion for early claims.
NHI does not operate by contesting death claims — it
purchases/ pays for health services and does not have
contestability/suicide payout rules. Western & Southern
4. Surrender / cash-value clause (for whole/with-profits
policies) — life products may accrue surrender/cash values
or investment returns; NHI contains no savings or
surrender value component. Wikipedia
5. Premium, underwriting and policy lapse clauses — life
policies are private contracts with underwriting, premium
schedules, grace periods and lapse rules; NHI is financed
by the public fund (taxes/contributions) and sets
entitlements, not individual premium/underwriting terms.
National Department of Health+1
