Question

What is the purpose of the excess clause in domiciliary hospitalization coverage?

a.

To exclude all domiciliary treatments

b.

To require the insured to pay for the first three to five days of treatment

c.

To limit coverage to specific chronic ailments

d.

To prevent any waiting period

Posted under IC38 Life Insurance Agent Exam

Answer: (b).To require the insured to pay for the first three to five days of treatment Explanation:The excess clause in domiciliary hospitalization coverage requires the insured to pay for the first three to five days of treatment.

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Q. What is the purpose of the excess clause in domiciliary hospitalization coverage?
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