开发者:上海品职教育科技有限公司 隐私政策详情

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Ronnie YIN · 2020年01月05日

问一道题:NO.PZ201704060100000108

* 问题详情,请 查看题干

问题如下:

The type of insurance that will best address Molly’s concern about Gabriel is:

选项:

A.

disability insurance.

B.

longevity insurance.

C.

long-term care insurance.

解释:

C is correct.

Molly is concerned about a potential late-life medical condition that may require extended home care for Gabriel. Long-term care insurance is designed to cover a portion of the cost of home care, assisted living facilities, and/or nursing home expense. Gabriel has enough resources to cover her living expenditures, but her medical insurance might be insufficient to cover the costs of extended home care, medicine, or hospital stays. Consequently, long term care insurance is the most appropriate insurance choice given Gabriel’s situation.

此题为什么不选B?活得长也可以获得年金然后享受nursing

1 个答案

包包_品职助教 · 2020年01月06日

longevity insurance主要是为了避免活太久的风险,一般是每个月给你固定的金额。主要是来cover living expense的。但是题目说了Gabriel has enough resources to cover her living expenditures, but her medical insurance might be insufficient to cover the costs of extended home care, medicine, or hospital stays. 也就是说它可能短缺的是长期的家庭护理、医疗或住院费用。所以要买long-term care insurance,这样你一旦有护理的费用,保险公司会给你负担。