Free Accident and Health Insurance Basics Practice Questions
Pennsylvania Accident & Health exam (series 16-02) — 73 practice questions.
Subtopics: Pre-existing condition, Replacement considerations, Renewability, Insurable interest, Permitted exclusions, Health replacement notice, Guaranty health limits, 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. A common exclusion in individual health policies limits coverage for:
Pre-existing conditions, subject to applicable limits
Limited and other non-ACA individual policies may limit preexisting conditions within state limits; ACA-compliant major medical plans may not.
2. When replacing health coverage, the producer should especially evaluate:
Preexisting condition limits, waiting periods and benefit differences
Replacement requires comparing pre-existing condition handling, waiting periods, benefits, and exclusions.
3. A 'guaranteed renewable' health policy means the insurer:
Must renew to a stated age but may change premiums by class
Guaranteed renewable policies must be renewed to a stated age; the insurer may adjust premiums only on a class basis.
4. In individual health insurance the applicant:
Has an insurable interest in their own and their family's health
An applicant has an insurable interest in their own life and health and that of close family members.
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.
