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  4. Accident and Health Insurance Basics

Free Accident and Health Insurance Basics Practice Questions

Georgia Accident & Health exam — 42 practice questions.

Subtopics: Covered perils, Morbidity, Coverage categories, Insuring clause, Probationary period, Pre-existing condition, 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. Accident and health insurance generally covers losses arising from:

accidental injury and sickness

Accident and health coverage responds to losses caused by accidental bodily injury and by sickness.

2. The expected incidence of sickness and disability within a group is measured by:

morbidity rates

Morbidity measures the expected frequency and severity of sickness and disability used to price health coverage.

3. The two broad categories of accident and health coverage are:

disability income and medical expense

Accident and health products divide broadly into disability income coverage and medical expense coverage.

4. In a health policy, the provision stating the insurer's basic promise to pay benefits is the:

insuring clause

The insuring clause sets out the insurer's fundamental agreement to provide the stated benefits.

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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.