Tennessee Insurance Practice Exam

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What is a common feature of Basic Hospital/Surgical insurance?

Comprehensive coverage for all health needs
Limited benefits with specific exclusions
Coverage for preventive services only
High premiums and deductibles

The correct answer is: Limited benefits with specific exclusions

Basic Hospital/Surgical insurance typically offers limited benefits that are designed to cover essential hospital and surgical needs but do not encompass the extensive range of healthcare services. This type of insurance is structured to provide financial assistance for hospitalization and surgeries while often having specific exclusions and limitations related to certain treatments, conditions, or services. The purpose of Basic Hospital/Surgical insurance is to provide a foundational level of coverage, which is why it does not include comprehensive coverage for all health needs or focus solely on preventive services. Additionally, the premiums and deductibles for this type of insurance are generally lower than more extensive plans, emphasizing cost-effectiveness rather than high out-of-pocket expenses. Therefore, the defining characteristic of Basic Hospital/Surgical insurance is its limited benefits paired with specific exclusions, which distinguishes it from more comprehensive health insurance policies.