Arkansas Life and Health Insurance Practice Exam

Accident and Health policies provide coverages for all, EXCEPT:

1. Medical expenses

2. Disability income

3. Workers' Compensation claims

4. Long-term care

The correct answer is: Medical expenses

Accident and Health policies are designed to provide coverage for various situations related to accidents and health issues. Medical expenses are typically covered under Health Insurance policies rather than Accident and Health policies. Therefore, Medical expenses are the coverage that Accident and Health policies do not provide. Options B, C, and D are incorrect: - Disability income is covered under Accident and Health policies to provide income replacement in case the insured becomes disabled due to an accident or illness. - Workers' Compensation claims are a separate type of insurance that covers employees for work-related injuries or illnesses; it is not typically included in standard Accident and Health policies. - Long-term care coverage can also be included in some Accident and Health policies to cover costs associated with long-term illness or disability.