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Free Accident and Health Insurance Basics Practice Questions

Idaho Accident & Health exam — 44 practice questions.

Subtopics: Morbidity, Insurable interest, Guaranteed renewable, Noncancelable, Risk factors, Pre-existing condition, Representations, Conditionally renewable, 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 health insurance, morbidity refers to:

The incidence and severity of sickness and injury in a group

Morbidity measures the incidence and severity of sickness and injury, used to price health coverage.

2. In individual health insurance, an applicant clearly has an insurable interest in:

Their own health and that of close family

A person has an insurable interest in their own health and that of close family members.

3. A guaranteed renewable health policy allows the insurer to:

Adjust premiums by class but not refuse renewal up to a stated age

A guaranteed renewable policy must be renewed to a stated age; the insurer may change premiums only by class, not individually.

4. A noncancelable health policy provides that the insurer:

Can neither cancel nor raise the premium above the guaranteed scale to a stated age

With a noncancelable policy, the insurer cannot cancel or raise premiums above the guaranteed amount up to the stated age.

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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.