How many main beneficiary categories does the Health Insurance Organization cover?

• A. Three
• B. Four
• C. Five
• D. Six

Answer: (B)

Beneficiary categorization in health insurance systems is used to determine who qualifies for coverage and how resources are allocated. The Health Insurance Organization typically divides beneficiaries into four main groups: active insured workers and their immediate families; retirees or pensioners; dependents such as spouses and children; and vulnerable or subsidized groups that receive government assistance. This four‑category structure supports targeted premiums and subsidies, ensures family coverage is included, and keeps the system scalable as the workforce changes. In many exam contexts, this four‑group framework is the standard reference, reflecting the need to cover both working individuals and their families, while also protecting those with lower incomes or higher needs. Choosing three would omit a key category, while five or six would add complexity beyond the commonly described design.