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  4. Accident and Health Insurance Basics

Free Accident and Health Insurance Basics Practice Questions

Indiana Accident & Health exam — 44 practice questions.

Subtopics: Morbidity, Perils, Principal sum, Capital sum, Elimination period, Probationary period, Pre-existing condition, Field underwriting, 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, 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. In health insurance, the rate of sickness and disability within a group is measured by what?

Morbidity

Morbidity refers to the incidence of sickness and disability and is the key statistical basis for pricing health insurance.

2. Accident and health insurance generally protects against losses arising from which two causes?

Accident and sickness

Accident and health policies cover financial losses caused by accidental injury and sickness.

3. In an accidental death and dismemberment policy, the full amount payable for accidental death is called what?

The principal sum

The principal sum is the benefit paid for accidental death, while the capital sum applies to dismemberment losses.

4. The benefit paid for the accidental loss of a body member or sight under an AD&D policy is known as what?

The capital sum

The capital sum is the amount, often a percentage of the principal sum, paid for dismemberment or loss of sight.

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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.