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  4. Accident and Health Insurance Basics

Free Accident and Health Insurance Basics Practice Questions

Hawaii Accident & Health exam — 44 practice questions.

Subtopics: Insurable interest, Morbidity, Hazard, Adverse selection, Representations, Warranty, Waiver, Indemnity, 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 an individual health insurance policy, the applicant generally has an insurable interest in:

Their own life and health

An applicant has an insurable interest in their own life and health when buying individual coverage.

2. Morbidity tables are used by health insurers to estimate:

The incidence of sickness and disability in a group

Morbidity tables estimate the frequency of sickness and disability used in pricing health coverage.

3. A physical hazard in health insurance is best described as:

A condition such as a preexisting illness that increases the chance of loss

A physical hazard is a condition that increases the likelihood or severity of a health loss.

4. Adverse selection in health insurance refers to the tendency of:

Less healthy individuals to seek coverage more than healthier ones

Adverse selection is the tendency of higher-risk (less healthy) individuals to seek coverage more than healthier ones.

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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.