Difficulty: Easy

Average Score: 89%

Under an individual Medical Expense policy, a newborn child who is permanently and totally disabled will be covered:

Rationale

Under an individual Medical Expense policy, a newborn child who is permanently and totally disabled will be covered for as long as the policy is in force.

The coverage for a permanently and totally disabled newborn child extends as long as the policy remains active, providing continuous support for their medical needs without a predefined age limit.

A (through age 26) YOUR ANSWER

This option does not apply to the coverage of a permanently and totally disabled newborn child under the individual Medical Expense policy. The duration of coverage is not restricted to a specific age limit but rather tied to the policy's active status.

B (until they reach the limiting age) YOUR ANSWER

The concept of a "limiting age" is not a determining factor for the coverage of a permanently and totally disabled newborn child under this policy. The coverage period is contingent on the policy's duration, not on the age of the child.

D (as long as the parents stay married) YOUR ANSWER

The marital status of the parents is unrelated to the coverage of a permanently and totally disabled newborn child under the individual Medical Expense policy. The key factor that determines the coverage duration is the continuous existence of the policy, regardless of the parents' marital status.

Conclusion

The coverage for a permanently and totally disabled newborn child under an individual Medical Expense policy is not bound by age restrictions or parental marital status. Instead, the coverage remains in effect for as long as the policy itself is active, ensuring ongoing support for the medical needs of the disabled child without time constraints. This provision offers peace of mind to policyholders knowing that their child's medical expenses will be covered as long as the policy remains in force.

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