California Life and Health Insurance Practice Exam 2025 – Your All-in-One Guide to Exam Success!

Question: 1 / 400

What is "group health insurance"?

Insurance that covers only individual policyholders

Health coverage offered to a group of people, often through an employer

Group health insurance is a form of health coverage that is provided to a collective body of individuals, typically through an employer or an organization. This type of insurance involves a single master policy that covers a group of people, allowing them to enjoy the benefits of lower premiums and shared risk due to the larger pool of insured individuals. The participating members often do not have to undergo individual underwriting, making it accessible even to those who may have pre-existing conditions. This collective arrangement can make healthcare more affordable and easier to obtain, offering essential services to employees and their families.

Other options focus on individual or temporary coverage, which does not align with the essence of group health insurance that centers around a collective rather than individual provisions.

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A type of insurance purchased for family members

Insurance that provides coverage for temporary health issues only

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