Life License Qualification Program (LLQP) Practice Exam

Which of the following statements is true about comprehensive major medical health insurance?

1. It covers only routine medical visits

2. It excludes preventive care services

3. It typically includes prescription drug coverage

4. It exclusively covers inpatient services

The correct answer is: It typically includes prescription drug coverage

Comprehensive major medical health insurance is designed to provide broad coverage for a range of healthcare services, which is why the statement regarding typical inclusion of prescription drug coverage is accurate. This type of insurance often encompasses a variety of medical expenses beyond basic services, including hospitalization, outpatient services, and preventive care, as well as prescription medications. Including prescription drug coverage helps ensure that policyholders can afford necessary medications, which is a critical aspect of overall health management. This feature is significant because it reflects the insurance policy’s aim to cover a wide spectrum of healthcare needs, promoting not only illness treatment but also preventive care to maintain health. The other statements do not accurately reflect the characteristics of comprehensive major medical health insurance. It does not limit coverage only to routine visits, nor does it exclude preventive care, which is often an integral part of such policies. Additionally, it provides options for both inpatient and outpatient services, not exclusively covering one or the other. Ultimately, comprehensive major medical insurance is intended to offer a more inclusive range of healthcare services.