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Free Accident and Health Insurance Basics Practice Questions

Delaware Accident & Health exam — 44 practice questions.

Subtopics: Principal sum, Capital sum, Probationary period, Morbidity, Sources of underwriting, Accidental means versus results, Insuring clause, Conditional receipt, 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 an accidental death and dismemberment policy, the full amount paid for accidental death is the:

Principal sum

The principal sum is the full benefit paid for accidental death under an AD&D policy.

2. The capital sum in an AD&D policy is the amount paid for:

The accidental loss of a body part such as a hand or eye

The capital sum is a percentage of the principal sum paid for specified dismemberment losses, such as a hand, foot, or eye.

3. A probationary period in a health policy is the time after issue during which:

Losses from sickness are not yet covered

A probationary period delays coverage for sickness for a stated time after the policy is issued, while accidents may be covered sooner.

4. Morbidity tables used in health insurance pricing measure:

The incidence of sickness and disability in a group

Morbidity tables show the expected rate of sickness and disability in a population and help set health insurance rates.

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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.