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  4. Accident and Health Insurance Basics

Free Accident and Health Insurance Basics Practice Questions

Washington Accident & Health exam — 43 practice questions.

Subtopics: Morbidity, Deductible, Coinsurance, Stop-loss, Pre-existing condition, Elimination period, Probationary period, 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. Health insurance rates rely heavily on morbidity, which measures:

The incidence of sickness and injury

Morbidity is the rate of sickness and injury in a given population and is a key factor in health insurance pricing.

2. The amount an insured must pay before a Washington health plan begins to pay is the:

Deductible

A deductible is the initial amount the insured pays out of pocket before the plan starts paying benefits.

3. After the deductible, a plan that pays 80% while the insured pays 20% illustrates:

Coinsurance

Coinsurance is the percentage split of covered costs shared between the insurer and insured after the deductible.

4. The out-of-pocket maximum in a Washington health plan functions to:

Cap the insured's annual cost sharing

The out-of-pocket maximum (stop-loss) limits the total cost sharing an insured pays in a plan year.

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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.