California Life and Health Insurance Practice Exam 2026 – Complete Test Prep

Question: 1 / 400

What is an "elimination rider" in health insurance policies?

A provision that increases premiums for specific risks

A component that automatically renews policies

A provision that excludes certain conditions from coverage

An elimination rider is a provision added to health insurance policies that specifically excludes certain pre-existing conditions or specific types of care from being covered. This rider allows the insurance company to limit its liability for claims related to those conditions, which might otherwise have a significant cost impact. By defining which conditions or treatments are not covered, the elimination rider can help maintain lower premiums for policyholders while managing the risk for the insurer.

Thus, this makes the correct choice a notable aspect of health insurance policies as it helps both parties to have a clear understanding of what is and isn't covered, leading to more transparent agreements regarding healthcare coverage.

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A section that outlines claim submission requirements

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