Which of the following is correct about a group health insurance policy?

A group health insurance policy typically provides coverage for a defined group of individuals, often through employers or organizations. The option indicating that it can provide coverage for handicapped children highlights an important feature of many group health insurance policies.

In many cases, group health plans have provisions that allow for the inclusion of dependent children who are disabled beyond a certain age, ensuring that they continue to receive health coverage even if they are unable to become independent. This inclusion helps to protect families who may have children with special needs, allowing those children to maintain access to necessary health care services.

While it’s common for group health insurance to provide such coverage, the other options present conditions that often do not apply to group policies. For example, exclusions for coverage based on hospital treatments or occupational accidents may have specific contexts or regulations that allow for such exclusions, which does not universally parallel the coverage provisions for handicapped children. Therefore, the correct understanding lies in recognizing that the policy explicitly allows coverage for handicapped children, reflecting the broader intent to support families facing these challenges.