1. Exam Prep
  2. Maryland
  3. Accident & Health
  4. Accident and Health Insurance Basics

Free Accident and Health Insurance Basics Practice Questions

Maryland Accident & Health exam — 44 practice questions.

Subtopics: Morbidity, Accidental means vs results, Principal sum, Capital sum, Field underwriting, Insuring clause, Exclusions, Riders, 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. Morbidity tables are used in health insurance to estimate:

The incidence of sickness and disability

Morbidity measures the incidence and severity of sickness and disability and is used to price health coverage.

2. Coverage triggered by an 'accidental bodily injury' standard focuses on:

An unexpected result of the injury

The accidental-results approach looks at whether the injury was unexpected, a broader standard than the older accidental-means test.

3. In an AD&D policy, the principal sum is paid for:

Accidental death

The principal sum is the full benefit paid for accidental death; the capital sum is paid for certain dismemberment losses.

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

Accidental dismemberment

The capital sum is a percentage of the principal sum paid for the accidental loss of limbs or sight (dismemberment).

All Accident & Health topics

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.