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Free Accident and Health Insurance Basics Practice Questions

Nevada Accident & Health exam — 44 practice questions.

Subtopics: Morbidity, Principal sum, Capital sum, Moral hazard, Physical hazard, Adverse selection, Field underwriting, 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, Sources of information, Substandard risk, Statement of good health, Long-term care expense, Prescription benefit, Accidental means test, Total disability defined, Partial disability defined, 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 expected frequency of sickness and injury within a given group, used in pricing health insurance, is called:

Morbidity

Morbidity measures the incidence of sickness and injury in a group, and is a key factor in pricing health coverage.

2. Under an accidental death and dismemberment provision, the full benefit paid for accidental death is the:

Principal sum

The principal sum is the full benefit paid under an AD&D provision for accidental death.

3. Under AD&D coverage, the amount paid for the accidental loss of a body part such as one hand or one eye is the:

Capital sum

The capital sum is a stated amount, often a percentage of the principal sum, paid for the accidental loss of a specified body part.

4. An applicant with a documented history of insurance fraud presents what type of hazard?

Moral hazard

A moral hazard arises from a person's character or habits, such as a history of dishonesty or fraud, that increases the chance of loss.

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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.