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  4. Accident and Health Insurance Basics

Free Accident and Health Insurance Basics Practice Questions

Michigan Accident & Health exam — 43 practice questions.

Subtopics: Morbidity, Principal sum, Deductible, Coinsurance, Stop-loss, Pre-existing condition, Elimination period, 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, Substandard risk, Statement of good health, Long-term care expense, Prescription benefit, Accidental means test, Total disability defined, Partial disability defined, 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. The likelihood of sickness or disability within a group is measured by:

Morbidity

Morbidity measures the incidence of sickness or disability, a key factor in health insurance pricing.

2. In an accidental death and dismemberment policy, the full benefit paid for accidental death is the:

Principal sum

The principal sum is the full amount payable for accidental death; the capital sum applies to dismemberment.

3. The amount an insured must pay before health benefits begin is the:

Deductible

A deductible is the amount the insured pays out of pocket before the insurer begins paying benefits.

4. Under an 80/20 coinsurance arrangement, after the deductible the insurer pays:

80% of covered charges

With 80/20 coinsurance, the insurer pays 80% and the insured pays 20% of covered charges after the deductible.

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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.