Free Accident and Health Insurance Basics Practice Questions
Maryland Accident & Health exam — 74 practice questions.
Subtopics: Morbidity, Accidental means vs results, Principal sum, Capital sum, Field underwriting, Insuring clause, Exclusions, Riders, 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, 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 tables are used in health insurance to estimate:
The incidence of sickness and disability
Morbidity measures the incidence and severity of sickness and disability and is used to price health coverage.
2. Coverage triggered by an 'accidental bodily injury' standard focuses on:
Whether the injury itself was unexpected
The accidental-results approach looks at whether the injury was unexpected, a broader standard than the older accidental-means test.
3. In an AD&D policy, the principal sum is paid for:
Accidental death
The principal sum is the full benefit paid for accidental death; the capital sum is paid for certain dismemberment losses.
4. The capital sum in an AD&D policy is paid for:
Accidental dismemberment or loss of sight
The capital sum is a percentage of the principal sum paid for the accidental loss of limbs or sight (dismemberment).
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.
