Accident & Health Concepts Practice Questions
61 free accident & health concepts questions for the California Life & Health insurance license exam. Pick any question — answer it and get the full 3-part explanation, no signup required.
- 1.In an accident and health policy, which statement best distinguishes an accident from a sickness for purpos…Difficulty 2/5
- 2.A policyholder files a claim after being hospitalized for pneumonia. How does an accident and sickness poli…Difficulty 2/5
- 3.Health insurance policies commonly include a preexisting condition exclusion period primarily to:Difficulty 2/5
- 4.In a managed care plan that uses a gatekeeper, what is the gatekeeper's primary function?Difficulty 1/5
- 5.Which statement correctly describes a cancellable disability insurance policy?Difficulty 2/5
- 6.Under a noncancelable disability income policy, the premium is best described as:Difficulty 1/5
- 7.Under a conditionally renewable health policy, the insurer may decline to renew:Difficulty 2/5
- 8.Which statement correctly describes a travel accident insurance policy?Difficulty 1/5
- 9.A specified disease policy that covers only cancer would pay benefits when:Difficulty 2/5
- 10.Credit disability insurance is designed primarily to:Difficulty 2/5
- 11.How are limited-benefit health plans best described for classification purposes?Difficulty 1/5
- 12.A critical illness insurance policy generally pays:Difficulty 2/5
- 13.Under federal COBRA, a dependent child who loses coverage because he or she exceeds the plan's maximum age …Difficulty 2/5
- 14.Under HIPAA's portability rules, how is an individual's prior creditable group coverage treated when the in…Difficulty 3/5
- 15.Under the federal mental health parity rules, a group health plan's mental health benefits must be:Difficulty 2/5
- 16.In a health plan with 80/20 coinsurance after the deductible is met, the insured's 20 percent share represe…Difficulty 1/5
- 17.A copayment (copay) is best defined as:Difficulty 1/5
- 18.When an insured is covered under two group health plans, coordination of benefits (COB) is designed to:Difficulty 3/5
- 19.A disability income policy that covers only nonoccupational disabilities will pay benefits when the insured:Difficulty 2/5
- 20.An 'own occupation' disability income policy pays benefits when the insured:Difficulty 2/5
- 21.In a disability income policy, the elimination period is best described as:Difficulty 2/5
- 22.In a disability income policy, the benefit period is the:Difficulty 1/5
- 23.A disability income policy has a 30-day elimination period and also refers to a probationary period. How do…Difficulty 2/5
- 24.What is a pre-existing condition, as the term is typically used in individual health insurance?Difficulty 1/5
- 25.Under a cancellable health insurance policy, which right does the insurer typically retain?Difficulty 1/5
- 26.A conditionally renewable health policy permits the insurer to decline to renew coverage. Under what circum…Difficulty 2/5
- 27.Which statement about a guaranteed renewable health insurance policy is correct?Difficulty 2/5
- 28.A travel accident policy is best characterized as which of the following?Difficulty 1/5
- 29.A specified disease policy, such as a cancer policy, typically pays benefits in what manner?Difficulty 2/5
- 30.What is the purpose of a credit disability insurance policy?Difficulty 2/5
- 31.Which of the following is a limited-benefit health policy?Difficulty 2/5
- 32.A characteristic of an accident-only policy is that it:Difficulty 1/5
- 33.In the individual insurance market, limited-benefit policies such as accident-only and specified disease pl…Difficulty 1/5
- 34.Under COBRA, when a dependent child ages out of eligibility under a parent's group health plan, the child m…Difficulty 3/5
- 35.What is the primary purpose of the portability provisions of HIPAA, the Health Insurance Portability and Ac…Difficulty 3/5
- 36.In a health insurance policy, how does an annual deductible typically operate?Difficulty 1/5
- 37.Which statement correctly distinguishes coinsurance from a copayment?Difficulty 2/5
- 38.What is the purpose of a coordination of benefits (COB) provision in group health insurance?Difficulty 2/5
- 39.How do disability income policies typically distinguish total disability from partial disability?Difficulty 1/5
- 40.A disability policy defines disability as the insured's inability to perform the duties of any occupation f…Difficulty 2/5
- 41.An individual disability policy covers only nonoccupational disabilities. What does this mean?Difficulty 2/5
- 42.An insured slips on ice and fractures a wrist. Which statement correctly distinguishes 'accidental means' f…Difficulty 2/5
- 43.Which of the following renewability provisions gives the insured the MOST protection against cancellation o…Difficulty 2/5
- 44.A residual disability benefit in a disability income policy is designed to pay benefits when the insured:Difficulty 3/5
- 45.In a disability income policy, what does a recurrent disability clause provide?Difficulty 2/5
- 46.Which statement correctly describes a limited (or limited-benefit) health insurance policy, such as a hospi…Difficulty 2/5
- 47.What is the purpose of a rehabilitation benefit in a disability income policy?Difficulty 1/5
- 48.What does a business overhead expense (BOE) disability policy cover?Difficulty 1/5
- 49.Under a key person disability policy purchased by a business on a key employee, the beneficiary of the disa…Difficulty 2/5
- 50.Which factor is typically considered in the underwriting and rating of an individual disability income policy?Difficulty 1/5