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  4. Accident and Health Insurance Basics

Free Accident and Health Insurance Basics Practice Questions

South Dakota Accident & Health exam — 44 practice questions.

Subtopics: Morbidity, Accident versus sickness, Insuring clause, Probationary period, Pre-existing condition, Guaranteed renewable, Noncancelable, Coordination of benefits, 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 pricing health insurance, an insurer uses morbidity tables primarily to estimate the:

Rate of death in a group

Morbidity tables estimate the rate of illness and disability in a group and help set health insurance rates.

2. Accident and health policies generally distinguish between losses caused by accident and losses caused by:

Sickness (disease)

Health policies typically separate benefits for losses due to accidental injury from those due to sickness or disease.

3. The insuring clause of a health policy primarily:

States the insurer's basic promise to pay benefits for covered losses

The insuring clause sets out the insurer's core promise to pay benefits for the losses the policy covers.

4. A probationary period in a health policy is a span of time after the policy's start during which:

Losses from sickness are generally not covered

A probationary period delays coverage for sickness-related losses for a stated time 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.