13. An individual\'s physical build is used as an underwriting factor because mo

Question

13. An individual's physical build is used as an underwriting factor because

mortality rates are substantially higher for:

1. Tall people.

2. Sedentary people.

3. Underweight people.

4. Overweight people.

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Question 14

1 pts

14. In a context of group health insurance, portability means that:

1. Workers can take their present health insurance coverage with them

when they leave their current job.

2. When workers change jobs, the new employer or health plan must give

them credit for prior, continuous health insurance coverage.

3. The availability of health insurance coverage to all is guaranteed by

law.

4. Discrimination against employees and dependents based on their

health is prohibited.

1. Tall people.

2. Sedentary people.

3. Underweight people.

4. Overweight people.

Explanation / Answer

Question 13 –

Out of the given options, Mortality Rate will be highest for the Sedentary people because of very less physical activities performed by them on daily basis which gradually become their habit and eventually lead to their death at an early stage as compared to tall , overweight & underweight people.

A majority of the Population is either overweight or Underweight, but as long as human body is engaged in enough physical activities on daily basis, they have still an edge over those who are sedentary in terms of mortality

Therefore Option 2 is correct

Question 14-

Portability in Health Insurance means that the insured will not lose the credit gained in prior health coverage with respect to pre-existing condition(s) in terms of waiting period.

Portability safeguards customers from being taken for granted by insurance companies, gives them flexibility, and offers better and more options.

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