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

Free Accident and Health Insurance Basics Practice Questions

New Jersey Accident & Health exam — 44 practice questions.

Subtopics: Types, Perils, Morbidity, Pre-existing condition, Probationary period, HIPAA, Insuring clause, Benefit 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, 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. Which is a principal type of accident and health coverage?

Disability income insurance

Disability income is a core accident and health line, along with medical expense and AD&D.

2. Health insurance generally provides benefits for losses caused by:

Accident and sickness

Accident and health policies cover losses from accidental injury and sickness.

3. The rate of sickness or disability used in pricing health coverage is the:

Morbidity rate

Morbidity measures the incidence of sickness and disability and drives health insurance pricing.

4. A condition for which a person received treatment before a policy's effective date is a:

Pre-existing condition

A pre-existing condition is one treated or manifesting before coverage began, subject to plan rules.

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 Pennsylvania Insurance Department and the exam administrator before relying on it.