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Free Accident and Health Insurance Basics Practice Questions

Arizona Accident & Health exam — 41 practice questions.

Subtopics: Total disability, Elimination period, Principal sum, Capital sum, 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, 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 a health policy, the term total disability is best understood as:

An inability to perform duties as defined by the policy

Total disability is defined by policy language, often the inability to perform the duties of one's own or any occupation.

2. The elimination period in a disability income policy functions most like a:

A time deductible before benefits begin

The elimination period is a waiting period after disability begins during which no benefits are paid, akin to a time deductible.

3. In an accidental death and dismemberment policy, the principal sum is:

The full amount payable for accidental death

The principal sum is the maximum amount payable, generally for accidental death; dismemberment losses pay a portion called the capital sum.

4. The capital sum in an AD&D policy refers to:

The amount payable for certain dismemberment losses

The capital sum is the amount, usually a percentage of the principal sum, paid for specified dismemberment losses.

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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.