What type of injury would NOT be covered under a health insurance policy?

• A. Sports-related
• B. Auto accident
• C. Illness
• D. Work-related

Answer: (D)

In health insurance, injuries that happen on the job are handled by workers’ compensation, not by a standard health policy. Workers’ comp provides medical care and wage replacement specifically for work-related injuries and is typically the exclusive remedy for those injuries. Because of that, a work-related injury would not be covered by a health insurance policy as the primary payer.

The other scenarios are generally covered by health insurance because they are not tied to employment: sports-related injuries occur during recreation, illnesses are medical conditions covered by health plans, and auto accident injuries are usually covered by health plans as well (with auto insurers often handling any vehicle-related benefits first, but health insurance can still pay if needed).