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  3. Accident & Health Agent
  4. Accident and Health Insurance Basics

Free Accident and Health Insurance Basics Practice Questions

California Accident & Health Agent exam (series Accident & Health) — 21 practice questions.

Subtopics: Pre-existing conditions, HIV testing consent, Genetic information, 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

Sample questions & answers

1. In the California individual major medical market, pre-existing condition exclusions are:

Generally prohibited

Consistent with the ACA, California prohibits pre-existing condition exclusions in the individual and small-group markets.

2. Before testing a health applicant for HIV in California an insurer must:

Obtain written informed consent

California requires written informed consent before HIV testing for insurance underwriting.

3. California limits a disability insurer's use of an applicant's genetic characteristics by:

Prohibiting adverse underwriting based solely on genetic characteristics absent actuarial justification

California prohibits discrimination in life and disability insurance based solely on genetic characteristics.

4. In health insurance, the 'accidental results' test bases coverage on:

The result being unexpected and unintended, even if the cause was intentional

The accidental results approach (more favorable to insureds) covers unexpected results regardless of an intentional cause.

All Accident & Health Agent topics

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 Pennsylvania Insurance Department and the exam administrator before relying on it.