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Free Accident and Health Insurance Basics Practice Questions

Illinois Accident & Health exam — 44 practice questions.

Subtopics: Morbidity, Principal sum, Pre-existing condition, Probationary period, Government coverage, Insuring clause, Hazard, Limited policies, Accidental injury, Sickness defined, Disability income benefit, Medical expense benefit, AD&D, Hospital indemnity, Critical illness, 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, 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. Morbidity refers to the incidence of:

Sickness and disability within a group

Morbidity measures the rate of sickness and disability used in pricing health insurance.

2. Under an accidental death and dismemberment policy the principal sum is paid for:

Accidental death

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

3. A pre-existing condition is generally one for which the insured:

Received advice or treatment before the effective date

A pre-existing condition is a condition for which advice or treatment was received before coverage began.

4. A probationary period in a health policy is the time:

At the start before certain coverage begins

A probationary period is an initial period after issue before certain conditions are covered.

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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.