Medical Expense✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
An 'extension of benefits' provision in a medical expense policy provides that:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
The extension of benefits clause protects an insured who is in the middle of treatment when coverage ends — for example, when the policy lapses or the plan terminates. Benefits for the condition then being treated continue for a stated period, such as 30 to 90 days, so the insured is not cut off mid-treatment. The clause does not create lifetime coverage, does not extend to new conditions, and does not waive premiums. It is a limited safety net recognized among medical expense contract provisions.
Why the other options are wrong
- B) The clause covers only the condition already being treated and only for a limited stated period, not indefinitely.
- C) Waiver of premium is a separate provision tied to disability or other triggers, not to policy termination.
- D) New conditions arising after termination are not covered; the clause is confined to conditions under treatment when coverage ends.
Memory hook
Extension of benefits = finish the treatment you already started, then goodbye. Limited, not lifetime.