Which type of insurance is a contract between an individual and an insurance company whereby the individual pays a premium and, in exchange, the insurance company agrees to pay for specific vehicle-related financial losses during the term of the policy?
a. automobile
b. commercial
c. liability
d. workers' compensation
Question 2
Group health insurance is available through employers and other organizations, and all
or part of the premium costs are paid by employers. Employer-based group health insurance __________.
a. covers all employees, regardless of health status, and cannot be canceled if anemployee becomes ill
b. excludes COBRA continuation coverage upon employee resignation or another qualifying event and lasts for 18 to 36 months, depending on the employee's situation
c. prohibits employer-limited plan options, such as a prescription drug plan that covers a certain list of medications, which is called a formulary
d. requires exclusions for pre-existing conditions, which means the payer excludes all employees from coverage for pre-existing conditions
An individual affected by xeroderma pigmentosum
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