Kentucky Health Insurance Practice Exam

______ policies cover only those injuries and illnesses that occur outside of one's job.

1. Limited

2. Nonoccupational

3. Workers compensation

4. Full coverage

The correct answer is: Nonoccupational

Nonoccupational policies specifically provide coverage for injuries and illnesses that occur outside of an individual's job. This type of policy is designed to address health issues or accidents that are not work-related, which means that it will cover a range of personal health needs while excluding any work-related incidents. In the context of health insurance, it is important to distinguish between nonoccupational and other types of policies. For example, workers' compensation policies are primarily aimed at covering injuries and illnesses that occur as a direct result of job-related activities, making them unsuitable for covering non-work-related health issues. Limited policies typically restrict coverage to specific types of conditions or events, but they do not inherently focus solely on non-work-related incidents like nonoccupational policies do. Full coverage would imply a broad scope that includes all types of health needs without the limitation to only non-work-related situations, making it less precise than the definition provided by nonoccupational policies.