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  4. Accident and Health Insurance Basics

Free Accident and Health Insurance Basics Practice Questions

Vermont Accident & Health exam — 38 practice questions.

Subtopics: Portability, Field underwriting, 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, 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. Federal portability rules for health coverage are designed mainly to help individuals:

Maintain coverage and limit pre-existing condition exclusions when changing plans

Portability rules help people keep coverage and limit pre-existing condition exclusions when moving between health plans.

2. When a Vermont producer completes a health insurance application and records the applicant's answers accurately, the producer is performing:

Field underwriting

Recording accurate information on the application is field underwriting, the producer's first step in risk selection.

3. In health insurance, the 'accidental results' test bases coverage on:

The result being unexpected and unintended, even if the cause was intentional

The accidental results approach (more favorable to insureds) covers unexpected results regardless of an intentional cause.

4. In an accident and health policy, sickness generally means an illness or disease that:

First manifests while the policy is in force

Sickness is typically defined as illness or disease first manifesting while the policy is in force.

All Accident & Health topics

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.