All of the following statements pertaining to waiver of premium in health insurance policies are correct EXCEPT:

All of the following statements pertaining to waiver of premium in health insurance policies are correct EXCEPT:


A) it exempts an insured from paying premiums during periods of permanent and total disability.

B) it applies only to a specified age, such as 60 or 65.

C) it applies to both medical expense and disability income policies.

D) it may be applied retroactively, after the insured has been disabled for a specified period.



Answer: C) it applies to both medical expense and disability income policies. FALSE- it does not apply to medical expense policies.

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