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  4. Accident and Health Insurance Basics

Free Accident and Health Insurance Basics Practice Questions

Ohio Accident & Health exam — 44 practice questions.

Subtopics: Covered perils, Morbidity, Principal sum, Insuring clause, Pre-existing condition, Elimination period, Field underwriting, Representations, 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, 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. Health insurance is designed primarily to cover losses arising from:

Sickness and accidental injury

Accident and health insurance covers losses from sickness and injury.

2. The expected incidence of sickness and disability in a group is measured by:

Morbidity

Morbidity measures sickness and disability rates used in health rating.

3. The amount payable for accidental death under an AD&D provision is the:

Principal sum

The principal sum is paid for accidental death; the capital sum is for dismemberment.

4. Which part of a health policy states the insurer's basic promise to pay benefits?

Insuring clause

The insuring clause sets out the insurer's promise to pay.

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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.