International SOS Practice Test

If a client has both corporate and insurance coverage, what is that called?

Shared client Hybrid client Enhanced client Global client

Correct Answer:

Shared client

Explanation:

The key idea is that the client’s needs span more than one funding source. When a client has both corporate coverage for employees and personal insurance coverage, it means services and billing cross into multiple programs. That overlap is best described as a “shared client”—the account is effectively served through more than one funding stream and requires coordinated handling across those programs. The other terms don’t fit: a hybrid client would imply blending service delivery models, not funding sources; an enhanced client suggests extra benefits; a global client emphasizes geographic reach rather than how the client is funded.

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