1|Page
NJ HEALTH AND ACCIDENT INSURANCE ACTUAL
EXAM QUESTIONS AND 100% CORRECT
ANSWERS||VERIFIED EXAM!!! / NEW JERSEY
HEALTH AND ACCIDENT EXAM 2026 WITH 300+
QUESTIONS AND ANSWERS||NEWEST EXAM!!!
Which of the following is NOT a required provision in an
accident and health insurance policy?
Legal actions
grace period
Change of occupation
reinstatement - Answers-change of occupation
In group health care, what is the purpose of the
coordination of benefits provision?
Determines where as insured goes to receive treatment
Determines what is paid by the primary and secondary
insurers in the event of a claim
Ensures that a health provider receives the proper benefit
amount owed
,2|Page
Determines which parent plan covers a department child -
Answers-Determines what is paid by the primary and
secondary insurers in the event of a claim
An accident and health insurer has just received written
proof of loss from one of its insureds. The insured must
now wait 60 days before
Submitting another claim
bringing legal actions against the insurer
the insurer will pay the claim
purchasing more insurance from this insurer - Answers-
bringing legal action against the insurer
A temporary producers license may be issued for up to
_________ days.
30 days
60 days
180 days
12 months - Answers-180
,3|Page
Which of the following is typically Not eligible for coverage
in group health policy?
Full time employee
Temporary employee
Business owner
partner in a partnership - Answers-Temporary employee
29
Someone needing custodial care at home would require
which type of coverage?
Major medical
Disability
Long term care
Medicaid - Answers-long term care 30
a buyers guide and policy summary
Must be delivered with or prior to policy delivery
• must be delivered with or prior to policy delivery
• is not required in the state of New Jersey
• must be delivered within 30 days of policy delivery
, 4|Page
• is only required when a binding receipt is issued -
Answers-must be delivered with or prior to policy delivery
Disability Income plans which require that the insurer can
NEVER change or after premium rates are usually
considered?
• Guaranteed Renewable
• Optionally Renewable
•Conditionally Renewable
• Noncancellable - Answers-Noncanellable
A long-term care policy typically provides all of the
following levels of care EXCEPT
Skilled care
Intermediate care
Acute care
Custodial care - Answers-acute care
All of the following are included as part of a contract in the
entire contract provision EXCEPT the:
Riders
application
NJ HEALTH AND ACCIDENT INSURANCE ACTUAL
EXAM QUESTIONS AND 100% CORRECT
ANSWERS||VERIFIED EXAM!!! / NEW JERSEY
HEALTH AND ACCIDENT EXAM 2026 WITH 300+
QUESTIONS AND ANSWERS||NEWEST EXAM!!!
Which of the following is NOT a required provision in an
accident and health insurance policy?
Legal actions
grace period
Change of occupation
reinstatement - Answers-change of occupation
In group health care, what is the purpose of the
coordination of benefits provision?
Determines where as insured goes to receive treatment
Determines what is paid by the primary and secondary
insurers in the event of a claim
Ensures that a health provider receives the proper benefit
amount owed
,2|Page
Determines which parent plan covers a department child -
Answers-Determines what is paid by the primary and
secondary insurers in the event of a claim
An accident and health insurer has just received written
proof of loss from one of its insureds. The insured must
now wait 60 days before
Submitting another claim
bringing legal actions against the insurer
the insurer will pay the claim
purchasing more insurance from this insurer - Answers-
bringing legal action against the insurer
A temporary producers license may be issued for up to
_________ days.
30 days
60 days
180 days
12 months - Answers-180
,3|Page
Which of the following is typically Not eligible for coverage
in group health policy?
Full time employee
Temporary employee
Business owner
partner in a partnership - Answers-Temporary employee
29
Someone needing custodial care at home would require
which type of coverage?
Major medical
Disability
Long term care
Medicaid - Answers-long term care 30
a buyers guide and policy summary
Must be delivered with or prior to policy delivery
• must be delivered with or prior to policy delivery
• is not required in the state of New Jersey
• must be delivered within 30 days of policy delivery
, 4|Page
• is only required when a binding receipt is issued -
Answers-must be delivered with or prior to policy delivery
Disability Income plans which require that the insurer can
NEVER change or after premium rates are usually
considered?
• Guaranteed Renewable
• Optionally Renewable
•Conditionally Renewable
• Noncancellable - Answers-Noncanellable
A long-term care policy typically provides all of the
following levels of care EXCEPT
Skilled care
Intermediate care
Acute care
Custodial care - Answers-acute care
All of the following are included as part of a contract in the
entire contract provision EXCEPT the:
Riders
application
