Life License Qualification Program (LLQP) Practice Exam

In Florida, what is required for employees during the underwriting of a master group health policy?

1. They must all be individually approved

2. They must contribute toward premiums

3. They are eligible regardless of health history

4. They must take a physical examination

The correct answer is: They are eligible regardless of health history

The requirement for employees during the underwriting of a master group health policy in Florida centers on the principle of group insurance. In a group insurance context, the goal is to provide coverage to a larger group of individuals under a single policy, making it different from individual health insurance. When a master group health policy is in place, employees are generally eligible for coverage regardless of their individual health histories. This inclusivity helps broaden the pool of insured individuals and enhances risk sharing among the group members. As such, pre-existing health conditions or individual medical assessments are not typically barriers to obtaining coverage for employees under a master group policy. The emphasis on group coverage means that the underwriting process does not focus on the health history of each individual. Instead, the group as a whole is evaluated, which is why individual health history does not preclude eligibility for group coverage. This aspect is integral to promoting access to health insurance and ensuring that employees can obtain necessary medical coverage without discrimination based on health status.