Free Accident and Health Insurance Basics Practice Questions
New Mexico Accident & Health exam (series 18-26) — 69 practice questions.
Subtopics: Insurable interest, Conditional receipt, Producer responsibility, 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 New Mexico accident and health insurance an applicant generally must have an insurable interest in the insured at the time of:
Application
For insurance on another person's life or body, the beneficiary must have an insurable interest at the time the contract is made, which is at application.
2. A conditional receipt given when a New Mexico health applicant pays the initial premium provides:
Coverage effective subject to the applicant being insurable as applied for
A conditional receipt provides coverage as of the stated date provided the applicant proves insurable as applied for.
3. A New Mexico producer completing a health application should:
Record the applicant's answers accurately and completely
Producers must record application answers accurately and completely because the application becomes part of the contract.
4. In health insurance, the 'accidental results' test bases coverage on:
An unexpected, unintended result, even from an intended act
The accidental results approach (more favorable to insureds) covers unexpected results regardless of an intentional cause.
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.
