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  4. Accident and Health Insurance Basics

Free Accident and Health Insurance Basics Practice Questions

North Carolina Accident & Health exam — 46 practice questions.

Subtopics: Morbidity, Deductible, Coinsurance, Copayment, Out-of-pocket maximum, Elimination period, Pre-existing condition, Probationary period, Guaranteed renewable, Noncancellable, 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. Morbidity tables are used by health insurers to estimate:

The incidence of sickness and disability

Morbidity refers to the relative incidence of disease and disability within a group; insurers use morbidity data to price health coverage.

2. A deductible in a health plan is:

The amount the insured pays before benefits begin

A deductible is the initial amount of covered expense the insured must pay out of pocket before the plan begins to pay benefits.

3. In an 80/20 coinsurance arrangement after the deductible, the insured typically pays:

20 percent of covered expenses

Under 80/20 coinsurance, the insurer pays 80 percent and the insured pays 20 percent of covered expenses after the deductible, until any out-of-pocket maximum is met.

4. A copayment is best described as:

A fixed dollar amount the insured pays per covered service

A copayment is a set dollar amount the insured pays for a specific service, such as an office visit, separate from coinsurance percentages.

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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.