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Free Accident and Health Insurance Basics Practice Questions

Alaska Accident & Health exam — 44 practice questions.

Subtopics: Morbidity, Accident versus sickness, Group versus individual, Insurable interest, Medical expense versus income, Field underwriting, Conditional receipt, Representations, 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, 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

Read the Accident and Health Insurance Basics study guide

Sample questions & answers

1. In health insurance morbidity tables are used to estimate:

The incidence of sickness and disability in a group

Morbidity tables estimate the frequency of sickness and disability used in health rate setting.

2. Health policies often distinguish an accidental injury from a sickness because:

They may have different benefit provisions and waiting periods

Accidents and sicknesses may carry different provisions such as waiting periods so they are defined separately.

3. A key difference between group and individual health insurance is that group coverage usually involves:

A master contract with certificates to members and generally less individual underwriting

Group coverage uses a master contract issuing certificates and typically applies less individual underwriting.

4. When applying for health insurance on oneself insurable interest:

Clearly exists because a person has an interest in their own well-being

A person always has an insurable interest in their own health and well-being.

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Practice: Accident and Health Insurance Basics

Take a randomized, timed-style practice test. Answer choices are shuffled and your results are scored instantly with an explanation for every question.

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.