Why Can an Insurer Refuse to Pay a Claim If

question 50

Multiple Choice

Why can an insurer refuse to pay a claim if an insured fails to abide by the policy provisions?

• A)because insurance contracts are aleatory
• B)because insurance contracts are unilateral
• C)because insurance contracts are conditional
• D)because insurance contracts are contracts of adhesion

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Definitions:

Critically Ill Child

A child experiencing a life-threatening medical condition that requires close, constant monitoring and potentially intensive therapeutic interventions.

Respirations

The process of inhaling and exhaling air to facilitate gas exchange within the body, particularly oxygen intake and carbon dioxide expulsion.

Cheyne-Stokes

A pattern of breathing characterized by a gradual increase in breathing followed by a decrease and a period of apnea, commonly seen in heart failure and neurological diseases.

Tailor Position

A sitting position where the legs are crossed and spread apart, resembling the traditional posture of a tailor. It is often recommended during pregnancy.