Question

All of the following are differences between individual and group health insurance EXCEPT

a)In individual policies, the individual selects coverage options, while in a group plan all employees are covered for the same coverage which is chosen by the employer.
b)Individual coverage can be written on an occupational or nonoccupational basis; group plans cover only nonoccupational.
c)Individual policies are renewable at the option of the insured, while group usually terminates when the individual leaves the group.
d)Individual insurance does not require medical examinations, while group insurance does require medical examinations.

Answer 1

All of the following are differences between individual and group health insurance except for the fact that individual insurance does not require medical examinations, while group insurance does.

Step-by-step explanation:

All of the following are differences between individual and group health insurance except:

1. In individual policies, the individual selects coverage options, while in a group plan all employees are covered for the same coverage which is chosen by the employer.
2. Individual coverage can be written on an occupational or nonoccupational basis; group plans cover only nonoccupational.
3. Individual policies are renewable at the option of the insured, while group usually terminates when the individual leaves the group.
4. Individual insurance does not require medical examinations, while group insurance does require medical examinations.

Therefore, the correct answer is d) Individual insurance does not require medical examinations, while group insurance does require medical examinations. This statement is false because both individual and group health insurance can require medical examinations depending on the specific policy.