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Free Accident and Health Insurance Basics Practice Questions

Maine Accident & Health exam — 44 practice questions.

Subtopics: Morbidity, Pre-existing condition, Underwriting, Field underwriter, Insurable interest, Substandard risk, Representations, Consideration, 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, Field underwriting, Sources of information, 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. In health insurance, morbidity refers to:

The incidence and severity of sickness and injury in a group

Morbidity measures the frequency and severity of sickness and injury, and it drives health insurance pricing.

2. A pre-existing condition is generally one that:

Existed or was treated before the policy's effective date

A pre-existing condition existed or was treated before coverage began and may be subject to limitations.

3. The purpose of underwriting in health insurance is to:

Evaluate and classify risk to decide insurability and premium

Underwriting evaluates and classifies applicants to determine insurability and the appropriate premium.

4. The producer is often called the field underwriter because the producer:

Gathers initial information and helps screen applicants for the insurer

The producer acts as a field underwriter by collecting accurate application information and screening risks for the insurer.

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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.