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  4. Accident and Health Insurance Basics

Free Accident and Health Insurance Basics Practice Questions

Massachusetts Accident & Health exam — 43 practice questions.

Subtopics: Coverage types, Morbidity, Insurable interest, Loss of income, Hazard, Field underwriting, Representations, 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, 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. Accident and health insurance is generally designed to cover losses arising from:

Sickness and accidental injury

Accident and health insurance addresses financial losses caused by sickness and accidental bodily injury.

2. In health insurance, the expected frequency of sickness and disability within a group is measured by:

Morbidity

Morbidity refers to the incidence and severity of sickness and disability used in pricing health coverage.

3. For an individual disability income policy, insurable interest must exist:

At the time the policy is applied for

Insurable interest must exist at the inception of the contract when the application is made.

4. A policy that replaces a portion of earnings when the insured cannot work due to illness or injury is:

Disability income insurance

Disability income insurance replaces a portion of the insured's earned income lost due to disability.

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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.