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  4. Accident and Health Insurance Basics

Free Accident and Health Insurance Basics Practice Questions

Tennessee Accident & Health exam — 44 practice questions.

Subtopics: Morbidity, Insurable interest, Principal sum, Capital sum, Hazard, Field underwriting, Representations, Riders, 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, 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. The expected incidence of sickness and disability within a group, used in health rating, is:

Morbidity

Morbidity measures the expected rate of sickness and disability and is used in pricing health coverage; mortality measures death rates.

2. For an individual health policy, insurable interest in one's own health:

Is presumed to exist

A person is presumed to have an unlimited insurable interest in their own life and health.

3. In an accidental death and dismemberment (AD&D) policy, the amount paid for accidental death is the:

Principal sum

The principal sum is the full benefit paid for accidental death under an AD&D policy.

4. In AD&D coverage, the amount paid for loss of a limb or sight, expressed as a percentage of the principal sum, is the:

Capital sum

The capital sum is the amount, usually a percentage of the principal sum, paid for dismemberment losses such as loss of a limb or sight.

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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 Pennsylvania Insurance Department and the exam administrator before relying on it.