CMFAS HI Health Insurance｜Complete Exam Prep Guide｜PickMyQuiz

Mr. Ling, a 65-year-old Singaporean, is worried about covering his medical costs if he becomes severely disabled. He was not eligible for ElderShield when it launched in September 2002 due to a pre-existing disability. If Mr. Ling suffers a severe disability and his per capita household income is S$2,000, what payout will he receive under the Interim Disability Assistance Programme for the Elderly?

S$250 per month for up to 72 months

S$250 per month for up to 60 months

S$150 per month for up to 60 months

S$150 per month for up to 72 months

Jun Hao, age next birthday 55, pays $2,500 for the additional private-insurance component of an IP and $1,000 for an approved CareShield Life/ElderShield Supplement. Ignoring his fully MediSave-payable basic-plan premium and assuming sufficient MediSave, what cash is required?

$0

$2,300

$2,900

$1,200

In which of the following scenarios is a Financial Adviser Representative (FA Rep) engaging in needs selling?

The FA Rep creates a sense of urgency to buy, even though the prospective client's needs are already apparent.

The FA Rep's relationship with the prospective client hinges on how much the client likes the product being offered.

The FA Rep presumes that the prospective client requires the product and proceeds to give a detailed recommendation accordingly.

The FA Rep assists the prospective client in identifying their needs and then recommends appropriate solutions.

How should the effect of entering full-time military service on medical-expense cover be determined?

Assume exhausting an annual claim limit always cancels the contract

Assume every policy terminates automatically

Treat the maximum entry age as an automatic in-force termination age

From the policy’s occupation, exclusion, suspension and termination clauses and any required notification.

Which outpatient treatment is commonly listed under catastrophic outpatient benefits, subject to the policy schedule?

Renal dialysis

ICU accommodation

Every outpatient liver treatment

Every living-donor transplant cost

A whole-life policy has $200,000 death cover and a $150,000 additional—not accelerated—CI rider. If a covered CI claim is admitted and paid, then the insured later dies while the base policy remains in force, what total benefits are paid across both events?

$150,000 only

$350,000

$200,000 only

Nothing

Where should operating-theatre, implant, ICU and short-stay-ward charges be classified under a medical-expense policy?

Every implant is always part of the surgeon’s fee

Operating-theatre charges are always the sole miscellaneous item

According to the policy schedule and definitions, because classifications and sub-limits vary.

ICU is always a miscellaneous expense

For an IDAPE applicant with no household income, which Annual Value and monthly payout pair reflects the current higher-support tier?

There is no Annual Value test.

AV of S$31,000 or below; S$250 per month.

AV of S$21,000 or below; S$150 per month.

AV of S$21,000 or below; S$250 per month.

Jane purchased an ElderShield 400 policy from an approved insurer. She later needed long-term care but recovered after 75 months. How much will Jane receive from her ElderShield 400 policy?

$28,800

$3,200

$30,000

$4,800

Mr. Lim is buying a policy for himself, his wife, and his 2 children, each with the same premium. Given that Mr. Lim's premium is $182.31, Mrs. Lim's premium is $227.89, and each child's premium is $102.50, what is the total premium payable?

$584.44

$615.20

$487

$512.70

Jennie purchased an ElderShield Supplement plan from an approved insurer with an annual premium of $1,300. How much must Jennie pay in cash?

$1,300

$600

$700

$0

Assume a disability-income benefit starts at 75% of $5,000 monthly income, is paid for 30 full years and increases 3% after each year, with no discounting, offsets, caps or recovery. Using a 30-year growth-sum factor of 47.5754, what is the total?

$1,712,714

$1,141,809

$2,854,524

$2,140,893

Assume $3,000 monthly expenses are needed at the start of each year for 23 years, a stipulated real discount rate of 2%, and an annuity-due factor of 18.658. Before considering insurance proceeds, what fund is required?

$671,688

$795,586

$445,530

$571,688

Which factor is generally less central to morbidity underwriting for basic medical-expense reimbursement than age, occupation and hazardous avocations?

Avocation

Financial situation, although it can still matter for affordability, fraud controls or income-related cover.

Occupation

Age

A deductible is a flat dollar amount of medical expenses that the policy owner must pay out-of-pocket before the insurer makes any payment. Which of the following statements is most TRUE?

Under per disability/per year deductible, the insured must bear the deductible each time a claim is made, regardless of the number of claims within the same year.

The same sickness or injury within the same policy year applies to 'per disability/per claim deductible'.

Per disability/per year deductible is more restrictive than per disability/per claim deductible.

Per annum deductible includes a variety of covered sicknesses or injuries within a policy year.

A patient has a continuous four-day inpatient psychiatric stay outside IMH, with eligible daily charges of S$800, S$900, S$300 and S$260. Using the current daily hospital-charge limits, how much may be withdrawn from MediSave?

S$2,260

S$1,390

S$920

S$2,160

For an inpatient psychiatric episode outside IMH, what MediSave daily hospital-charge limit applies from the third day onward?

S$230

S$150

S$400

S$1,130

Mr. Dexter bought a Medical Expense Insurance Policy with the following details: Plan entitlement: Restructured hospital – any standard B1 ward, as charged basis. Hospitalization: Private hospital in Singapore, Pro-ration factor: 35%, Annual Deductibles: $3,500, Co-insurance: 10%, Ward of discharge: Standard single bed, Total expenses incurred: Daily room and board and medical related services: $4,000, Surgical benefits: $20,000, Total Bill: $24,000. How much will the insurer pay under this policy?

$15,000

$4,410

$11,610

$8,400

Assume Mr Tan wants to fund $2,500 monthly expenses at the start of each year for 30 years, using a stipulated 2% real rate and annuity-due factor 22.8444. What fund is required?

$1,507,732

$529,135

$685,332

$822,399

Under the current MediShield Life co-insurance schedule, what rate applies to the first S$5,000 of the claimable amount after the deductible?

0%

5%

3%

10%

CMFAS HI Health Insurance｜Complete Exam Prep Guide

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預覽內容

Jun Hao, age next birthday 55, pays $2,500 for the additional private-insurance component of an IP and $1,000 for an approved CareShield Life/ElderShield Supplement. Ignoring his fully MediSave-payable basic-plan premium and assuming sufficient MediSave, what cash is required?

In which of the following scenarios is a Financial Adviser Representative (FA Rep) engaging in needs selling?

How should the effect of entering full-time military service on medical-expense cover be determined?

Which outpatient treatment is commonly listed under catastrophic outpatient benefits, subject to the policy schedule?

A whole-life policy has $200,000 death cover and a $150,000 additional—not accelerated—CI rider. If a covered CI claim is admitted and paid, then the insured later dies while the base policy remains in force, what total benefits are paid across both events?

Where should operating-theatre, implant, ICU and short-stay-ward charges be classified under a medical-expense policy?

For an IDAPE applicant with no household income, which Annual Value and monthly payout pair reflects the current higher-support tier?

Jane purchased an ElderShield 400 policy from an approved insurer. She later needed long-term care but recovered after 75 months. How much will Jane receive from her ElderShield 400 policy?

Mr. Lim is buying a policy for himself, his wife, and his 2 children, each with the same premium. Given that Mr. Lim's premium is $182.31, Mrs. Lim's premium is $227.89, and each child's premium is $102.50, what is the total premium payable?

Jennie purchased an ElderShield Supplement plan from an approved insurer with an annual premium of $1,300. How much must Jennie pay in cash?

Assume a disability-income benefit starts at 75% of $5,000 monthly income, is paid for 30 full years and increases 3% after each year, with no discounting, offsets, caps or recovery. Using a 30-year growth-sum factor of 47.5754, what is the total?

Assume $3,000 monthly expenses are needed at the start of each year for 23 years, a stipulated real discount rate of 2%, and an annuity-due factor of 18.658. Before considering insurance proceeds, what fund is required?

Which factor is generally less central to morbidity underwriting for basic medical-expense reimbursement than age, occupation and hazardous avocations?

A deductible is a flat dollar amount of medical expenses that the policy owner must pay out-of-pocket before the insurer makes any payment. Which of the following statements is most TRUE?

A patient has a continuous four-day inpatient psychiatric stay outside IMH, with eligible daily charges of S$800, S$900, S$300 and S$260. Using the current daily hospital-charge limits, how much may be withdrawn from MediSave?

For an inpatient psychiatric episode outside IMH, what MediSave daily hospital-charge limit applies from the third day onward?

Assume Mr Tan wants to fund $2,500 monthly expenses at the start of each year for 30 years, using a stipulated 2% real rate and annuity-due factor 22.8444. What fund is required?

Under the current MediShield Life co-insurance schedule, what rate applies to the first S$5,000 of the claimable amount after the deductible?

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