What is the coverage requirement for mentally or physically handicapped dependent children under an individual health insurance policy?

In the context of individual health insurance policies, mentally or physically handicapped dependent children often have specific coverage requirements designed to accommodate their unique needs. The correct answer indicates that coverage continues until those children become self-supporting, which is a crucial provision for families with dependents who may have lifelong disabilities.

This coverage requirement is typically established to ensure that dependents who cannot support themselves due to a mental or physical condition are protected and can receive necessary health care services. By linking the coverage to the child’s ability to become self-supporting, the policy recognizes the ongoing needs of these individuals and the financial responsibilities of the policyholder.

In many cases, the law supports continuous coverage under individual health insurance for handicapped dependents, reinforcing the idea that families should not have to bear the full financial burden of medical care for a dependent who is unable to achieve independence due to their condition. This basis aligns with broader policies of inclusivity and support for individuals with disabilities, ensuring they have access to the health services they require.

Other possible coverage timings, such as reaching a certain age or being no longer a dependent, could lead to gaps in coverage for those who require ongoing support. Therefore, focusing on the self-supporting requirement provides a safety net that protects the