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Health Insurance Exam
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Health Insurance Exam
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25 Questions

1. What is not contained in an outline of coverage?
2. Willie Sutton purchased a health insurance policy and was told that the insurance company cannot raise the premium or terminate the coverage. Which of the following types of renewability clauses does this policy contain?
3. Which policy described below pays a death benefit?
4. A policy lapses when:
5. Wilbur is hospitalized with a back injury when he fell off his roof. His disability policy which he purchased six months ago will not be starting the benefits for 30 days. Why?
6. Three partners enter into an entity disability buy-out. Their company is worth $300 - 000. They would buy how many policies and at what face value?
7. I. The insured received Disability Income benefits II. The insured's creditor received the equivalent of the monthly payment owed by the insured
8. What is the length of the elimination period for an LTC policy?
9. Voluntary cosmetic surgery - under the typical health insurance policy - is generally:
10. Select the correct statement below:
11. In individual health plans - a "pre-existing condition" is typically defined as a condition which appeared prior to the issuance of a policy and which was not disclosed on the application. In a group health plan - a "pre-existing condition" is typically defined:
12. An agent takes an application for health insurance on Ward and Lulu Cleaver and their family. When the agent returns to her office she discovers two unanswered questions on the application. Of the following - which actions should she take?
13. A "cafeteria plan" is a benefit arrangement which:
14. The misstatement of age provision is one of the optional health policy provisions. When the insured misstates his/her age on the application - this provision allows the company to:
15. Mattie was in a car accident. AD&D insurance covers _______ as a result of the accident. I. death II. the loss of use of a limb III. the loss of sight IV. a broken arm
16. Which part of Medicare requires premium payment by eligible participants?
17. Under the illegal occupation provision included in most health insurance policies - the company is:
18. Under group health insurance policies - coverage for alcoholism or drug dependency is:
19. When a medical expense policy pays benefits on a fixed-rate basis - it pays:
20. The policy provision that prevents a company from changing its agreement with a policy owner by referring to outside documents is the ______ clause.
21. HMOs are known for stressing:
22. Under state law - a handicapped child is one who:
23. All the following are correct about an individual disability policy except:
24. A Cancelable health insurance policy allows the insurer to:I. change premium rates to the policyowner. II. cancel the policy due to health reasons. III. change the mandatory policy provisions during the time the policy is in force
25. Major medical policies may include a type of deductible where the insured pays a new deductible amount for each different event that causes medical expenses to be incurred. This is the:

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