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  4. Accident and Health Insurance Basics

Free Accident and Health Insurance Basics Practice Questions

Rhode Island Accident & Health exam — 44 practice questions.

Subtopics: Material misrepresentation, The insured, Policyowner, Underwriting, Pre-existing condition, Accident defined, Sickness defined, Representations, Accidental injury, 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 accident and health insurance, an insured's misstatement on the application that affects the risk is a:

A material misrepresentation

A misstatement that affects the insurer's decision to issue coverage is a material misrepresentation.

2. The party whose health is insured under an accident and health policy is the:

Insured

The insured is the person whose health and risk of loss are covered by the policy.

3. The person who pays the premium and owns an individual health insurance contract is the:

Policyowner

The policyowner holds the rights under the contract and is typically responsible for the premium.

4. The purpose of underwriting in accident and health insurance is to:

Evaluate and classify the applicant's risk to set proper coverage and premium

Underwriting evaluates the applicant's health risk to determine insurability and the appropriate premium.

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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.