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  4. Accident and Health Insurance Basics

Free Accident and Health Insurance Basics Practice Questions

Alabama Accident & Health exam — 44 practice questions.

Subtopics: Morbidity, Accident vs sickness, Pre-existing condition, Deductible, Coinsurance, Stop-loss, Elimination period, Probationary period, 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

Read the Accident and Health Insurance Basics study guide

Sample questions & answers

1. Morbidity tables used in health insurance pricing measure the:

Incidence of sickness and disability

Morbidity reflects the incidence of sickness and disability within a group, a key factor in health rating.

2. In an accident and health policy, a loss caused by a sudden, unforeseen external event is classified as:

An accident

An accident is a sudden, unexpected, external event, distinct from sickness, which arises internally over time.

3. A pre-existing condition provision in a health policy generally addresses:

Conditions that existed before coverage began

A pre-existing condition provision defines how conditions present before the policy started are treated.

4. A deductible in a health plan is the amount the insured:

Pays before the insurer begins to pay

A deductible is the initial amount the insured pays out of pocket before benefits are payable.

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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.