HEALTH FINAL EXAM - NJ ACCIDENT
AND HEALTH EXAM QUESTIONS AND
ANSWERS 100% PASS 2026 EDITION
The Commissioner must approve - ANS Continuing education courses
Employer sponsored group health insurance provides coverage for which of the following?
Self-inflicted injuries
cosmetic surgery
custodial care
alcoholism - ANS alcoholism
A Medicare supplement policy can be cancelled by the insurer for - ANS Nonpayment
Which entity is responsible for regulating insurance advertising in NJ? - ANS New Jersey
Department of Banking and Insurance
Which of the following are retained at the expense of an insurance buyer to give advice on
insurance needed by the buyer?
1
@2026 EDITION ALLRIGHTS RESERVED
,Brokers and consultants
Insurance prospectors
Third-party adminstrators
Agents - ANS Brokers and consultants
Written notice for a health claim must be given to the insurer ___ days after the occurrence of
the loss. - ANS 20
In which of the following situations would the insurer be liable for a loss?
a) The insured skipped a payment beyond the 31 day grace period
b) The insured was injured while participating in an illegal occupation
c) The insured was given a notice of cancellation from the insurer
d) The insured suffered an injury as an innocent bystander during a bank robbery - ANS d)
The insured suffered an injury as an innocent bystander during a bank robbery
When a Medicare supplement policy is purchased during the open enrollment period -
ANS The policy must be issued regardless of health status
In what form do disability income policies typically pay benefits? - ANS Periodic income
What is considered to be the primary reason for buying life insurance? - ANS Provide death
benefits
A newborn is required to be covered for ____ days from the moment of birth - ANS 30
2
@2026 EDITION ALLRIGHTS RESERVED
, Once an accident and health insurance policy has been in force for ___ year(s), the policy may
NOT be contested by the insurer - ANS 2
A doctor who accepts Medicare assignment agrees to which of the following
- Doctor may charge up to a maximum of 15% more than Medicare pays for the service
- Doctor is not bound by Medicare's limitations on charges
- Doctor cannot charge more than Medicare's scheduled coverage
- Doctor bills the Medicare beneficiary directly for services performed - ANS Doctor cannot
charge more than Medicare's scheduled coverage
What is issued to each employee with an employer health plan? - ANS Certificate
What is the tax liability for employer contributions in Health Savings Accounts (HSA's)? -
ANS No tax payment needed
All of these are considered sources of information that can assist an underwriter in determining
whether or not to accept a risk EXCEPT
Agent's report
Medical Information Bureau (MIB)
Inspection reports
National Association of Insurance Underwriters - ANS National Association of Insurance
Underwriters
In NJ, health insurance advertisements are required to contain the - ANS insurance
company's name
3
@2026 EDITION ALLRIGHTS RESERVED
AND HEALTH EXAM QUESTIONS AND
ANSWERS 100% PASS 2026 EDITION
The Commissioner must approve - ANS Continuing education courses
Employer sponsored group health insurance provides coverage for which of the following?
Self-inflicted injuries
cosmetic surgery
custodial care
alcoholism - ANS alcoholism
A Medicare supplement policy can be cancelled by the insurer for - ANS Nonpayment
Which entity is responsible for regulating insurance advertising in NJ? - ANS New Jersey
Department of Banking and Insurance
Which of the following are retained at the expense of an insurance buyer to give advice on
insurance needed by the buyer?
1
@2026 EDITION ALLRIGHTS RESERVED
,Brokers and consultants
Insurance prospectors
Third-party adminstrators
Agents - ANS Brokers and consultants
Written notice for a health claim must be given to the insurer ___ days after the occurrence of
the loss. - ANS 20
In which of the following situations would the insurer be liable for a loss?
a) The insured skipped a payment beyond the 31 day grace period
b) The insured was injured while participating in an illegal occupation
c) The insured was given a notice of cancellation from the insurer
d) The insured suffered an injury as an innocent bystander during a bank robbery - ANS d)
The insured suffered an injury as an innocent bystander during a bank robbery
When a Medicare supplement policy is purchased during the open enrollment period -
ANS The policy must be issued regardless of health status
In what form do disability income policies typically pay benefits? - ANS Periodic income
What is considered to be the primary reason for buying life insurance? - ANS Provide death
benefits
A newborn is required to be covered for ____ days from the moment of birth - ANS 30
2
@2026 EDITION ALLRIGHTS RESERVED
, Once an accident and health insurance policy has been in force for ___ year(s), the policy may
NOT be contested by the insurer - ANS 2
A doctor who accepts Medicare assignment agrees to which of the following
- Doctor may charge up to a maximum of 15% more than Medicare pays for the service
- Doctor is not bound by Medicare's limitations on charges
- Doctor cannot charge more than Medicare's scheduled coverage
- Doctor bills the Medicare beneficiary directly for services performed - ANS Doctor cannot
charge more than Medicare's scheduled coverage
What is issued to each employee with an employer health plan? - ANS Certificate
What is the tax liability for employer contributions in Health Savings Accounts (HSA's)? -
ANS No tax payment needed
All of these are considered sources of information that can assist an underwriter in determining
whether or not to accept a risk EXCEPT
Agent's report
Medical Information Bureau (MIB)
Inspection reports
National Association of Insurance Underwriters - ANS National Association of Insurance
Underwriters
In NJ, health insurance advertisements are required to contain the - ANS insurance
company's name
3
@2026 EDITION ALLRIGHTS RESERVED
