Massachusetts Health & Accident Insurance Practice Exam

What type of insurance coverage does not typically cover experimental procedures?

1. major medical insurance

2. long-term care insurance

3. accidental death policies

4. standard life insurance

The correct answer is: standard life insurance

In the context of insurance coverage, standard life insurance policies primarily focus on providing a death benefit to the beneficiaries upon the death of the insured individual. These policies are designed to offer financial support to the policyholder's dependents in the event of their passing and do not encompass health-related expenses or medical treatment, including experimental procedures. Experimental procedures often fall under the realm of health insurance, which is not the primary concern of standard life insurance. Therefore, it's significant to recognize that life insurance does not provide coverage for medical treatments or experimental therapies, which are typically covered under health insurance policies or major medical insurance. Other insurance types mentioned, such as major medical insurance, generally include various medical procedures and may cover experimental treatments if they align with specific criteria outlined in the policy. Long-term care insurance usually focuses on personal care services over an extended period due to chronic illnesses or disabilities, and accidental death policies specifically cover fatalities resulting from accidents, but may also have stipulations for medical treatments related to such incidents.