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  4. Accident and Health Insurance Basics

Free Accident and Health Insurance Basics Practice Questions

California Accident & Health Agent exam (series Accident & Health) — 42 practice questions.

Subtopics: Pre-existing conditions, HIV testing consent, Genetic information, Insurable interest, Guaranteed issue, Definition of disability insurance, 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. 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. For health and disability insurance, a California applicant clearly has an insurable interest in:

A stranger's health

A person has an insurable interest in their own health and in the health of close family members.

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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.