Which of the following is classified as a limited health insurance policy?

Prepare for the North Dakota Health Insurance Exam with questions designed to enhance learning and confidence. Understand key concepts and get ready for your licensing test!

Limited health insurance policies are designed to provide specific benefits under certain conditions, rather than covering a wide range of healthcare costs like comprehensive or major medical insurance. Accident-only insurance is a prime example of a limited policy, as it specifically covers expenses related to injuries resulting from accidents. It does not provide benefits for illnesses, surgeries, or other medical situations not related to accidents.

In contrast, comprehensive health insurance, major medical insurance, and long-term disability insurance offer broad protections. Comprehensive health insurance typically covers a wide array of healthcare services, including preventive care, while major medical insurance focuses on high-cost hospital and medical expenses. Long-term disability insurance provides income replacement benefits in the event of a disability but does not cover healthcare costs directly. These broader policies are crucial for individuals seeking extensive coverage for various health-related scenarios, making them distinct from the limited scope of accident-only insurance.

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