Free Accident and Health Insurance Basics Practice Questions
Tennessee Accident & Health exam — 74 practice questions.
Subtopics: Morbidity, Insurable interest, Principal sum, Capital sum, Hazard, Field underwriting, Representations, Riders, 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, 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. The expected incidence of sickness and disability within a group, used in health rating, is:
Morbidity
Morbidity measures the expected rate of sickness and disability and is used in pricing health coverage; mortality measures death rates.
2. For an individual health policy, insurable interest in one's own health:
Is presumed to exist
A person is presumed to have an unlimited insurable interest in their own life and health.
3. In an accidental death and dismemberment (AD&D) policy, the amount paid for accidental death is the:
Principal sum
The principal sum is the full benefit paid for accidental death under an AD&D policy.
4. In AD&D coverage, the amount paid for loss of a limb or sight, expressed as a percentage of the principal sum, is the:
Capital sum
The capital sum is the amount, usually a percentage of the principal sum, paid for dismemberment losses such as loss of a limb or sight.
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.
