Free Accident and Health Insurance Basics Practice Questions
Kentucky Accident & Health exam — 81 practice questions.
Subtopics: Morbidity, Principal sum, Capital sum, Nonoccupational, Pre-existing condition, Exclusions, Hospital indemnity, Major medical, Policy format, Family policy dependents, Handicapped dependents, Other coverage disclosure, Health replacement, Claims handling, Accidental injury, Sickness defined, Disability income benefit, Medical expense benefit, AD&D, 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, 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. Morbidity refers to the incidence and severity of:
Sickness and disability within a population
Morbidity measures the rate and severity of sickness and disability in a group and is central to pricing health coverage.
2. In an accidental death and dismemberment (AD&D) policy, the principal sum is the amount paid for:
Accidental death
The principal sum is the full benefit amount payable for accidental death under an AD&D policy.
3. The capital sum in an AD&D policy is the amount payable for:
Certain dismemberment losses, often a percentage of the principal sum
The capital sum pays for specified dismemberment losses, such as loss of a limb or sight, usually as a percentage of the principal sum.
4. A nonoccupational disability policy covers disabilities that occur:
Off the job and are not work-related
Nonoccupational coverage applies to off-the-job injuries and illnesses, since work-related disabilities are generally covered by workers' compensation.
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.
