Which of the following is NOT a function of accidental and health insurance?

• A. Covers the cost of medical care as a result of an accident
• B. Pays for hospice care in the event of a terminal illness
• C. Covers the loss of income from a disability
• D. Pays a death benefit as a result of an illness

Answer: (D)

Accident and health insurance is built to handle medical-related costs and income protection from injuries, not to provide life insurance benefits. It typically covers medical expenses resulting from accidents, may contribute to hospice care under health coverage, and can include disability-related income protection when a policy provides that benefit. A death benefit due to illness, however, is a feature of life insurance, not accident and health coverage. Therefore, paying a death benefit as a result of an illness is not a function of accidental and health insurance.