Life & Health Insurance Practice Exam 2025 - Free Practice Questions and Study Guide

Long-term care policies are designed to cover a broad range of services that individuals may require as a result of chronic illness, disability, or the need for assistance with activities of daily living. Under medical necessity, a long-term care policy typically covers diagnostic and personal care services.

Diagnostic services are crucial as they help determine the health issues a person may be facing, enabling proper planning of care. Personal care services, on the other hand, focus on assistance with daily activities such as bathing, dressing, eating, and using the bathroom. These types of services are essential for individuals who may not be able to perform these tasks independently due to age, illness, or disability.

This comprehensive coverage ensures that the policyholder receives the necessary support to maintain their quality of life while addressing their specific health care needs. The other mentioned options do not encompass the full range of services that a long-term care policy is designed to cover, making diagnostic and personal care services the most accurate representation of what is included under medical necessity in this context.