Free Accident and Health Insurance Basics Practice Questions
California Accident & Health Agent exam (series Accident & Health) — 76 practice questions.
Subtopics: Pre-existing conditions, HIV testing consent, Genetic discrimination, Insurable interest, Guaranteed issue, Definition of disability insurance, Disability insurance, Health insurance defined, Regulators, CDI jurisdiction, 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, Principal sum, Capital sum, 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 the California individual major medical market, pre-existing condition exclusions are:
Generally prohibited
California prohibits preexisting condition provisions in group plans and nongrandfathered individual plans, consistent with the ACA.
2. Before testing a disability income applicant for HIV in California an insurer must:
Obtain written informed consent
Section 799.03 requires a life or disability income insurer that asks an applicant to take an HIV test to obtain the applicant's written informed consent.
3. California law prohibits an insurer issuing hospital, medical, and surgical coverage from:
Denying or rating coverage based on genetic characteristics
Section 10140(b) bars health insurers from refusing, cancelling, charging more for, or limiting coverage based on a person's genetic characteristics.
4. For health and disability insurance, a California applicant clearly has an insurable interest in:
Their own health and that of close family members
Every person has an insurable interest in their own life and health and, under Section 10110.1, in close relatives based on love and affection or financial dependence.
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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.
