CMFAS HI Common Policy Provisions question: limits applying

CMFAS HICommon Policy Provisions

A benefit in the schedule is expressed as 'as charged'. Which statement about the limits applying to that benefit is correct?

A The benefit is not covered at all because no fixed amount is stated
B A sub-limit applies to that item, capping the amount reimbursed per benefit line
C The benefit is paid in full with no limit of any kind, not even the lifetime or annual limit
D No sub-limit applies to that item, but the overall lifetime and annual limits still apply

Show the answer and explanation

Answer: D. No sub-limit applies to that item, but the overall lifetime and annual limits still apply

For benefits shown as 'as charged' (the actual amount incurred), no item-level sub-limit applies. However, the policy's overall lifetime and annual limits continue to apply, so the benefit is not truly unlimited.

Common mistake

'As charged' removes the per-item sub-limit only — the lifetime and annual limits still cap total reimbursement, so the benefit is not paid without any limit at all.

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Related CMFAS HI questions

A conditionally renewable Health Insurance policy differs from an optionally renewable one chiefly in that the conditions permitting the insurer to refuse renewal Under a moratorium-underwritten Medical Expense Insurance policy, Mr Goh has a history of a prior stroke — a long-term condition likely to need continuing treatment, medication or advice. After the moratorium period has passed he seeks cover for stroke-related treatment. What is the likely outcome?A Medical Expense Insurance policy has a per-annum deductible of S$2,000 (as yet unused) and a 10% co-insurance. The insured incurs a covered hospital bill of S$12,000, which is within all applicable limits. How much will the insurer pay?

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Original study material mapped to the public CMFAS HI syllabus. Unofficial, not endorsed by MAS or SCI. Verify figures and rules against current guidance before relying on them.