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  4. Accident and Health Insurance Basics

Free Accident and Health Insurance Basics Practice Questions

Iowa Accident & Health exam — 44 practice questions.

Subtopics: Morbidity, Principal sum, Guaranteed renewable, Noncancelable, Pre-existing condition, Capital sum, Hospital indemnity, Indemnity vs reimbursement, Accidental injury, Sickness defined, Disability income benefit, Medical expense benefit, AD&D, 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. Morbidity tables are used by health insurers to estimate:

The incidence of sickness and disability in a group

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

2. Under an accidental death and dismemberment policy, the full benefit paid for accidental death is the:

Principal sum

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

3. A guaranteed renewable health policy means the insurer:

Must renew the policy but may change premiums by class

A guaranteed renewable policy must be renewed but the insurer may adjust premiums for an entire class of insureds.

4. A noncancelable individual health policy means the insurer:

Cannot cancel and cannot raise the guaranteed premium during the contract term

A noncancelable policy cannot be canceled, and the premium cannot be increased above the guaranteed amount during the term.

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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 Pennsylvania Insurance Department and the exam administrator before relying on it.