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Free Accident and Health Insurance Basics Practice Questions

Mississippi Accident & Health exam — 44 practice questions.

Subtopics: Morbidity, Insurable interest, Guaranteed renewable, Preexisting condition, AD&D principal sum, Underwriting, Impairment rider, Waiver of premium, 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, 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 incidence and severity of sickness and injury within a group and is used in health rate setting.

2. For an individual buying health coverage on themselves, insurable interest:

Exists because a person has an insurable interest in their own health

A person always has an insurable interest in their own life and health.

3. A guaranteed renewable health policy means the insurer:

Must renew to a stated age but may change premiums by class

A guaranteed renewable policy must be renewed to a stated age, though the insurer may adjust premiums for an entire class.

4. A preexisting condition is generally a condition for which the insured:

Received advice or treatment before the policy's effective date

A preexisting condition is one for which the insured received advice or treatment before the policy took effect.

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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.