South Carolina Insurance Practice Exam

What type of injury would NOT be covered under a health insurance policy?

1. Work-related injury

2. Accidental injury

3. Injury from natural causes

4. Injury from car accidents

The correct answer is: Work-related injury

Health insurance policies typically exclude work-related injuries because these are generally covered under workers' compensation insurance. Workers' compensation is specifically designed to address injuries sustained during the course of employment, providing medical benefits and income replacement for employees who are injured while performing work-related duties. In contrast, accidental injuries, injuries from natural causes, and injuries from car accidents commonly fall under the coverage of standard health insurance policies. These situations are not associated with employment, and individuals can seek medical coverage for them under their health insurance plans. Therefore, work-related injuries are the type that would not be included in a health insurance policy, as this coverage is reserved for situations that are addressed by different types of insurance, namely workers' compensation. This distinction is essential for policyholders to understand to ensure they have appropriate coverage for various types of injuries.