IV. Accident and Health Insurance--9 Hours

  A.   Purpose of accident and health insurance

  B.   Types of policies

    1.   Medical expense policies

      a.   Basic hospital, medical, and surgical policies (base or scheduled policies)

      b.   Major medical policies

      c.   Comprehensive major medical policies

      d.   Long Term Care

      e.   Health Maintenance Organizations (HMO)

      f.   Preferred Provider Organization (PPO)

      g.   Multiple Employer Trusts (MET)

      h.   Multiple Employer Welfare Association (MEWA)

      i.   Service organizations (Blue Plans)

    2.   Disability income

      a.   Individual disability income policy

      b.   Business overhead expense policy

      c.   Business disability buyout policy

      d.   Group disability income policy

    3.   Accidental death and dismemberment

    4.   Group insurance

      a.   Group conversion

      b.   Differences between individual and group contracts

      c.   General concepts

      d.   COBRA

    5.   Medicare supplement and Medicare select policies

  C.   Policy provisions, clauses, and riders

    1.   Mandatory (uniform policy) provisions

      a.   Entire contract

      b.   Time limit on certain defenses (incontestable period)