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  4. Accident and Health Insurance Basics

Free Accident and Health Insurance Basics Practice Questions

Ohio Accident & Health exam — 36 practice questions.

Subtopics: 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. In health insurance, the 'accidental results' test bases coverage on:

The result being unexpected and unintended, even if the cause was intentional

The accidental results approach (more favorable to insureds) covers unexpected results regardless of an intentional cause.

2. In an accident and health policy, sickness generally means an illness or disease that:

First manifests while the policy is in force

Sickness is typically defined as illness or disease first manifesting while the policy is in force.

3. Disability income insurance replaces:

A portion of the insured's lost earned income during disability

Disability income pays periodic benefits to replace part of the income lost while the insured is disabled.

4. Medical expense insurance is designed to pay for:

Costs of medical care such as hospital and physician services

Medical expense coverage pays the costs of covered medical care, including hospital and physician services.

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.