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  2. Florida
  3. Health (2-40)
  4. Accident and Health Insurance Basics

Free Accident and Health Insurance Basics Practice Questions

Florida Health (2-40) exam (series 2-40) — 20 practice questions.

Subtopics: HMO regulation, HMO certificate, 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 Florida, a health maintenance organization (HMO) is primarily governed by:

The Health Maintenance Organization Act, Chapter 641

Florida HMOs are regulated under the Health Maintenance Organization Act in Chapter 641 of the Florida Statutes.

2. Before an HMO may operate in Florida, it must obtain a certificate of authority from the Office of Insurance Regulation and a health care provider certificate from:

The Agency for Health Care Administration

A Florida HMO must hold a certificate of authority from the OIR and a health care provider certificate issued by the Agency for Health Care Administration.

3. 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.

4. In an accident and health policy, sickness generally means an illness or disease that:

First manifests while the policy is in force

Sickness is typically defined as illness or disease first manifesting while the policy is in force.

All Health (2-40) 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.