Free Accident and Health Insurance Basics Practice Questions
New Hampshire Accident & Health exam (series 12-62) — 74 practice questions.
Subtopics: Insurable interest, Underwriting, Pre-existing condition, Field underwriting, Morbidity, Conditional receipt, Representations, Waiver, 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, 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 an individual health insurance application, insurable interest in one's own life and health is:
Presumed to exist for the applicant
An applicant is presumed to have an insurable interest in their own life and health.
2. The underwriting process in health insurance is used to:
Evaluate and classify risks to determine insurability and premium
Underwriting evaluates and classifies applicants to determine insurability and the appropriate premium.
3. A pre-existing condition provision in a health policy addresses:
Conditions for which the insured received care before the policy's effective date
A pre-existing condition provision addresses how conditions treated before the effective date are handled under the policy.
4. When a producer gathers accurate information and completes the application correctly, the producer is performing:
Field underwriting
Field underwriting is the producer's role in gathering accurate applicant information and properly completing the application.
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.
