Free Accident and Health Insurance Basics Practice Questions
New York Accident & Health exam (series 17-52) — 75 practice questions.
Subtopics: Minimum standards, Pre-existing conditions, Renewability, Probationary period, DES exposure, Community rating factors, Claims experience termination, Small group availability, Advertising, 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. New York Regulation 62 establishes minimum standards for individual accident and health policy forms primarily to:
Set minimum benefit and disclosure standards
Regulation 62 sets minimum standards for the benefits, definitions, and disclosure of individual accident and health policy forms.
2. For individual and small-group comprehensive health coverage in New York today, pre-existing condition exclusions are:
Prohibited
Federal law bars group health plans and issuers of group or individual coverage from imposing any pre-existing condition exclusion, so New York comprehensive policies cannot use them.
3. An individual New York accident and health policy that the insurer cannot cancel and on which it cannot raise premiums or change provisions is classified as:
Noncancelable
A noncancelable policy guarantees the insurer cannot cancel, raise the premium, or change provisions before a stated age.
4. A provision in a New York health policy specifying a period after the effective date during which newly arising sickness is not covered is the:
Probationary (waiting) period
A probationary or waiting period defers coverage for sicknesses first manifesting shortly after the policy takes effect.
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.
