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Free Accident and Health Insurance Basics Practice Questions

Louisiana Accident & Health exam — 44 practice questions.

Subtopics: Morbidity, Accidental injury, Principal sum, Capital sum, Insuring clause, Exclusions, Field underwriting, Insurable interest, 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. Morbidity tables are used by health insurers primarily to estimate:

The incidence of sickness and disability in a group

Morbidity tables estimate the rate of sickness and disability, which health insurers use to price coverage.

2. A policy that covers losses from accidental bodily injury is concerned with losses caused by:

Unforeseen, sudden injury

Accidental bodily injury coverage responds to sudden, unforeseen injuries rather than gradual illness or intentional acts.

3. Under an accidental death and dismemberment (AD&D) policy, the principal sum is generally paid for:

Accidental death

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

4. The capital sum in an AD&D policy is the amount paid for:

The loss of a limb or sight, often a percentage of the principal sum

The capital sum pays for dismemberment losses such as loss of a limb or sight, usually as a percentage of the principal sum.

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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.