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Free Accident and Health Insurance Basics Practice Questions

Virginia Accident & Health exam — 44 practice questions.

Subtopics: Perils, Morbidity, Principal sum, Insuring clause, Underwriting, Field underwriting, Guaranteed renewable, Noncancelable, 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, 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. Accident and health insurance generally provides benefits for losses due to:

Accidental injury and sickness

Accident and health coverage pays benefits for losses arising from accidental bodily injury and sickness.

2. The term morbidity refers to:

The incidence of sickness and disability in a group

Morbidity measures the rate of sickness/disability and is central to health insurance pricing.

3. In an accidental death and dismemberment policy the principal sum is paid for:

Accidental death

The principal sum is the AD&D benefit for accidental death; dismemberment pays a percentage (capital sum).

4. The insuring clause of a health policy:

States the basic benefits the insurer agrees to provide

The insuring clause sets out the insurer's basic promise and the benefits provided.

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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.