Which of the following is not a function of accident and health insurance?

Accident and health insurance primarily focuses on providing coverage for medical expenses and loss of income due to accidents or health-related issues. The core functions of these insurance products include:

• Covering medical expenses that arise from unexpected injuries or illnesses (as outlined in options B and C), ensuring that policyholders have access to necessary medical care and financial support during periods of disability.

• Supporting individuals financially if they are unable to work due to a disability, which ties into income replacement measures essential during recovery or rehabilitation.

However, the payment of a death benefit as a result of natural causes does not fall under the typical purview of accident and health insurance. Such benefits are usually associated with life insurance policies, which specifically address the financial implications of death rather than healthcare costs or income replacement due to illness or injury.

Moreover, while hospice care may be covered under certain health insurance plans, especially those that extend into critical or terminal illness care, traditional accident and health insurance does not directly pay a death benefit; this specifically aligns with life insurance coverage. Thus, the characteristic of paying a death benefit for natural causes distinguishes it as a function outside the realm of accident and health insurance.