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qinyh · 2023年02月12日

和comprehensive major medical insurance的区别

  1. CFA III
  2. 个人IPS

NO.PZ2018091705000072

问题如下：

Marion is considering purchasing medical insurance. He asks his investment manager for advice regarding a policy that potentially would allow him to go to essentially any medical service provider with a"reasonable and customary" fees. Given Marion’s policy preference, which type of medical insurance should his investment manager recommend?

选项：

A.

Indemnity plan

B.

Preferred provider plan

C.

Health maintenance organization plan

解释：

A is correct.

考点：Health/Medical Insurance

解析：indemnity plan允许被保险人前往任何医疗服务机构，但被保险人必须支付一定比例的"合理"费用。

请问indemnity plan和comprehensive major medical insurance的主要区别是什么？这两类都包括几乎所有医疗花销类型吗？

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王暄_品职助教 · 2023年02月12日

Indemnity plan: 被保人可以去任何医院诊所，但是被保人需要付部分的医药费，这部分医药费事先在保单里有签订具体的比例，比如付医药费的40%，那么剩下的由保险公司承担。

Comprehensive major medical insurance: 被保人可以去任何医院诊所，保险公司会cover大部分的医药费。和Indemnity plan的区别就是，没有规定具体的比例。

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