Free Accident and Health Insurance Basics Practice Questions
Arizona Accident & Health exam (series 13-32) — 71 practice questions.
Subtopics: Total disability, Elimination period, Principal sum, Capital sum, Probationary period, Accidental injury, Sickness defined, Disability income benefit, Medical expense benefit, AD&D, Hospital indemnity, Critical illness, Limited policies, Self-inflicted exclusion, War exclusion, Cosmetic exclusion, Workers comp overlap, Field underwriting, Sources of information, Substandard risk, Statement of good health, Long-term care expense, Prescription benefit, Accidental means test, Total disability defined, Partial disability defined, Travel accident insurance, Accident-only policy, Blanket health insurance, Franchise health insurance, Medical Information Bureau, Attending Physician Statement, Preferred risk classification, Impairment exclusion rider, Basic hospital expense coverage, Basic surgical expense coverage, Basic physicians expense coverage, Surgical schedule, First-dollar coverage, Classes of policies, Types of losses, Exclusions, Premium receipts, Policy delivery, Disclosure, Underwriting sources, Risk classification, Replacement, Producer liability, Group vs. individual, Employee association
Read the Accident and Health Insurance Basics study guide
Sample questions & answers
1. In a health or disability policy, total disability is:
Defined by the policy's own or any occupation test
Total disability definitions vary by policy (own occupation or any occupation).
2. The elimination period in a disability income policy functions most like a:
Time deductible before benefits begin
The elimination period is a waiting period after disability starts during which no benefits are paid.
3. In an accidental death and dismemberment policy, the principal sum is:
The amount paid for accidental death
The principal sum is paid for accidental death; dismemberment pays the capital sum, a portion of the principal sum.
4. The capital sum in an AD&D policy refers to:
The amount paid for dismemberment
The capital sum is usually a percentage of the principal sum paid for dismemberment or loss of sight.
Practice: Accident and Health Insurance Basics
Answer choices are shuffled every time, and every question comes with an explanation.
Practice questions are study aids generated for exam preparation and are not actual exam questions. Content is provided for educational purposes and is not legal advice. Verify current statutes, rules, and exam specifications with the Insurance Department and the exam administrator before relying on it.
