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  4. Accident and Health Insurance Basics

Free Accident and Health Insurance Basics Practice Questions

New York Accident & Health exam (series 17-52) — 40 practice questions.

Subtopics: Minimum standards, Pre-existing conditions, Renewability, Probationary 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. New York Regulation 62 establishes minimum standards for individual accident and health policy forms primarily to:

Ensure policies meet minimum benefit, definition, and disclosure standards

Regulation 62 sets minimum standards for the benefits, definitions, and disclosure of individual accident and health policy forms.

2. For New York individual health coverage subject to community rating, pre-existing condition exclusions are:

Prohibited or sharply limited under New York and federal rules

New York's community-rated individual and small-group market prohibits or sharply limits pre-existing condition exclusions.

3. An individual New York accident and health policy that the insurer cannot cancel and on which it cannot raise premiums or change provisions is classified as:

Noncancelable

A noncancelable policy guarantees the insurer cannot cancel, raise the premium, or change provisions before a stated age.

4. A provision in a New York health policy specifying a period after the effective date during which newly arising sickness is not covered is the:

Probationary (waiting) period

A probationary or waiting period defers coverage for sicknesses first manifesting shortly after the policy takes 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.