Free Accident and Health Insurance Basics Practice Questions
West Virginia Accident & Health exam — 70 practice questions.
Subtopics: A&S line scope, A&H exam format, Minimum standards categories, Direct response product, 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. The West Virginia accident and health or sickness line of authority covers sickness, bodily injury and accidental death, and may include:
Disability income benefits
The accident and health or sickness line covers sickness, bodily injury or accidental death and may include benefits for disability income.
2. The West Virginia Accident and Health or Sickness producer examination (InsWV-AcSi02) has how many questions?
90
The handbook lists the A&H exam at 120 minutes and 90 questions with a passing scaled score of 70.
3. West Virginia's minimum benefit standards for individual accident and sickness policies are set by category. Which is one of those categories?
Hospital confinement indemnity coverage
Minimum standards apply to basic hospital, basic medical-surgical, hospital confinement indemnity, major medical, disability income, accident only, and specified disease or accident coverage.
4. Under West Virginia's accident and sickness minimum standards law, a "direct response insurance product" is one sold:
Through direct contact with the insured, without an agent
A direct response product is an individual A&S policy or service corporation contract sold through direct contact between the insurer and the insured, without an agent, broker or solicitor.
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.
