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  4. Accident and Health Insurance Basics

Free Accident and Health Insurance Basics Practice Questions

Pennsylvania Accident & Health exam (series 16-02) — 40 practice questions.

Subtopics: Pre-existing condition, Replacement considerations, Renewability, Insurable interest, 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. A common exclusion in individual health policies limits coverage for:

Pre-existing conditions, subject to applicable limits

Pre-existing condition provisions limit coverage for conditions present before the policy, subject to state limits.

2. When replacing health coverage, the producer should especially evaluate:

Pre-existing condition treatment, waiting periods, and benefit differences

Replacement requires comparing pre-existing condition handling, waiting periods, benefits, and exclusions.

3. A 'guaranteed renewable' health policy means the insurer:

Must renew to a stated age but may change premiums by class

Guaranteed renewable policies must be renewed to a stated age; the insurer may adjust premiums only on a class basis.

4. In individual health insurance the applicant:

Generally has an insurable interest in their own and their family's health

An applicant has an insurable interest in their own life and health and that of close family members.

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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.