18. The information which gives an insurer necessary personal data regarding an individual and helps determine whether the individual can be insured under an individual health insurance policy is contained in the:
Answer: C
The necessary personal data for determining insurability is contained in the application.
The application provides the essential personal information required for an insurer to assess whether an individual qualifies for coverage under a health insurance policy.
A) Enrollment form
The enrollment form is typically used to enroll an individual in a health insurance plan after coverage is approved. While it may collect certain personal information, it does not serve as the primary source for determining initial eligibility or risk assessment.
B) Policy schedule
The policy schedule outlines the terms and benefits of an insurance policy once it has been issued. It does not contain the necessary personal data that an insurer needs to evaluate an individual’s eligibility for insurance coverage.
C) Application
The application is the correct option as it directly collects comprehensive personal information about the individual, including medical history and other relevant details necessary for the insurer to make an informed decision regarding coverage eligibility.
D) Agent's statement
The agent's statement may provide insights or observations made by the insurance agent regarding the applicant, but it is not a formal document that contains the personal data required for underwriting decisions. It serves more as a supplementary piece of information rather than the primary source.
Conclusion
The application is essential for insurers to gather necessary personal data to evaluate an individual's insurability. In contrast, the enrollment form, policy schedule, and agent's statement do not serve this primary function, making the application the definitive source for the information needed to determine eligibility for coverage.