A medical expense policy contains a war or military service exclusion. This means benefits will not be paid for:
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
War and military service exclusions are common limitations in health and life policies. They exclude losses caused by war, declared or undeclared, or by injury or sickness incurred while on active military duty. The insurer excludes these risks because wartime and military exposure creates unusually high and concentrated loss potential that cannot be priced with ordinary actuarial assumptions. Aviation and illegal-activity exclusions are similar risk-based exclusions found in health policies. The exclusion operates by cause, not by type of treatment or provider. Wartime injuries and conditions arising from military duty are outside the policy's intended civilian risk pool, so carriers exclude them to keep premiums aligned with the risks that civilian policyholders actually face.
Why the other options are wrong
- C) A 30-day hospital limit is not a war or military exclusion; benefit duration limits are separate contract features. The war exclusion turns on the cause of the injury or sickness, not on how long the hospital stay lasts, so a 30-day stay limit is an unrelated policy feature.
- D) Receiving care from a non-network provider is a network-access issue, not a war exclusion. Whether the treating physician is in-network affects reimbursement, but it has nothing to do with the war or military service exclusion.
- A) Claim-filing time limits are separate notice or proof-of-loss provisions, not war exclusions. Claims filing deadlines are separate time-limit provisions in the policy and are not part of the war exclusion's scope.
Memory hook
War and military duty = excluded risks: concentrated, unpredictable loss that insurers don't price.