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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 1101 Exam - Topic 11 Question 11 Discussion

Posted by Annelle on May 29, 2026 at 01:40 PM

An example of a comprehensive health policy is:

Suggested Answer: A

A major medical policy is designed as a comprehensive health policy, covering a wide range of expenses, including hospital, surgical, physician, and prescription costs. It provides broader coverage than limited benefit plans such as dental or vision policies. Workers' compensation is not considered a general health policy because it specifically covers occupational injuries.

Exact Extract (Virginia Health Insurance Study Guide): ''Major medical insurance---provides comprehensive coverage for hospital, physician, surgical, and other medical expenses, subject to deductibles and coinsurance. Distinguished from limited health expense policies (dental, vision).''

Reference (Virginia Documents / Study Guide):

--- Virginia Health Insurance Examination Outline, Section 2.2 Comprehensive vs. Limited Policies


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17 comments · newest first
SA
Sabina 23 days ago
I still think D has its importance in workplace safety.
AD
Adolph 28 days ago
A major medical policy is essential for overall health.
KI
King 1 month ago
Exactly! Dental and vision are too limited.
SU
Susy 1 month ago
I feel like A is more general. It applies to everyone.
OM
Omega 1 month ago
True, but it’s specific to work-related issues.
BE
Bettina 2 months ago
But what about D? Workers' comp is also broad.
TR
Trinidad 2 months ago
I agree! It’s comprehensive for various health needs.
JE
Jerry 2 months ago
I think A is the best choice. Major medical covers a lot.
LO
Lottie 2 months ago
Totally agree, major medical is the way to go!
YV
Yvette 2 months ago
Really? I thought major medical was the only one that counts.
RU
Rutha 2 months ago
Workers' comp is definitely comprehensive!
FR
Frank 3 months ago
I think dental policies are important too.
LI
Lilli 3 months ago
A major medical policy covers a lot!
MA
Margery 3 months ago
I’m confused because I thought comprehensive meant it covers everything, but I’m not sure if that applies to major medical or workers' comp.
BI
Billy 3 months ago
I feel like comprehensive means it should include multiple areas of health, so I’m thinking A might be right, but I could be mixing it up with another question.
AL
Alba 3 months ago
I remember practicing a question about different types of insurance, and I think workers' compensation is more specific, so maybe it’s not comprehensive?
QU
Quinn 4 months ago
I think a comprehensive health policy covers a wide range of services, so I’m leaning towards A, but I’m not entirely sure.
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