Free Accident and Health Insurance Basics Practice Questions
Nebraska Accident & Health exam (series 13-02) — 82 practice questions.
Subtopics: Morbidity, Expense-incurred basis, Conditional receipt, Insuring clause, Exclusions, Impairment rider, Coordination of benefits, Accidental injury standard, Guaranteed renewability, Product discontinuance, Unfair discrimination, Lead generators, HMOs as insurers, A&H line scope, Creditor protection, 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, 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. The expected frequency of sickness and disability within a group, used in health insurance rating, is:
Morbidity
Morbidity measures the expected rate of sickness and disability in a group, a key factor in health rating.
2. A medical plan that reimburses the insured for actual covered costs up to a limit pays on a(n):
Expense-incurred basis
Expense-incurred coverage reimburses the insured for actual covered medical costs up to the policy limits.
3. When an applicant pays the first premium with the application, a conditional receipt provides coverage:
If the applicant is found insurable as of the receipt date
A conditional receipt provides coverage as of the receipt date if the applicant is later found insurable, subject to its terms.
4. The provision that states the insurer's basic promise to pay benefits for covered losses is the:
Insuring clause
The insuring clause sets out the insurer's basic promise to pay for covered losses.
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.
