Maryland Life and Health Insurance License Practice Exam

Low frequency diseases can be exclusively covered by which kind of health insurance policies?

1. Comprehensive policies

2. Limited policies

3. Primary care policies

4. Group health insurance policies

The correct answer is: Limited policies

Low frequency diseases typically involve conditions that occur infrequently in the general population, which means they might not be widely covered under standard health insurance plans. Limited health insurance policies are specifically designed to provide coverage for specific conditions, situations, or services, rather than offering broad protection. These limited policies can focus on niche areas, effectively addressing the needs of individuals who may be at risk for or diagnosed with these rare conditions. Since low frequency diseases may not require extensive ongoing treatment or comprehensive care, limited policies can offer an affordable solution that meets the patient's needs without the higher costs associated with broader coverage options. Comprehensive policies, while providing a wide range of services, may not be specifically advantageous for conditions that are rarely encountered. Similarly, primary care policies focus on routine services rather than specialized treatments for low frequency diseases, and group health insurance policies generally cater to the broader health needs of a population, which may not specifically address these less common conditions.