NJ Health and Accident QUESTIONS &
ANSWERS 2026 | A+ GRADED 100%
VERIFIED
• Employer sponsored group health insurance provides coverage for
which of the following?
Self-inflicted injuries
cosmetic surgery
custodial care
alcoholism . Answer: alcoholism
• A Medicare supplement policy can be cancelled by the insurer for .
Answer: Nonpayment
• Which entity is responsible for regulating insurance advertising in NJ?
. Answer: 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?
Brokers and consultants
Insurance prospectors
Third-party adminstrators
Agents . Answer: Brokers and consultants
• Written notice for a health claim must be given to the insurer ___ days
after the occurrence of the loss. . Answer: 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 . Answer: 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 . Answer: The policy must be issued regardless of
health status
• In what form do disability income policies typically pay benefits? .
Answer: Periodic income
• What is considered to be the primary reason for buying life insurance?
. Answer: Provide death benefits
• A newborn is required to be covered for ____ days from the moment of
birth . Answer: 30
• Once an accident and health insurance policy has been in force for ___
year(s), the policy may NOT be contested by the insurer . Answer: 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 .
Answer: Doctor cannot charge more than Medicare's scheduled coverage
• What is issued to each employee with an employer health plan? .
Answer: Certificate
, • What is the tax liability for employer contributions in Health Savings
Accounts (HSA's)? . Answer: 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 . Answer: National
Association of Insurance Underwriters
• In NJ, health insurance advertisements are required to contain the .
Answer: insurance company's name
• Replacement regulation is designed to protect the interests of . Answer:
Policyowners
• The Commissioner of Insurance is appointed by . Answer: The
governor
• Which type of plan would be most appropriate for an individual on
Medicare and is concerned that Medicare will NOT pay for charges
exceeding the approved amount? . Answer: Medicare supplement plan F
• Which of the following is NOT a common exclusion for a medical
expense policy?
Physical therapy
Act of war
on the job injury
self inflicted injury . Answer: Physical therapy
ANSWERS 2026 | A+ GRADED 100%
VERIFIED
• Employer sponsored group health insurance provides coverage for
which of the following?
Self-inflicted injuries
cosmetic surgery
custodial care
alcoholism . Answer: alcoholism
• A Medicare supplement policy can be cancelled by the insurer for .
Answer: Nonpayment
• Which entity is responsible for regulating insurance advertising in NJ?
. Answer: 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?
Brokers and consultants
Insurance prospectors
Third-party adminstrators
Agents . Answer: Brokers and consultants
• Written notice for a health claim must be given to the insurer ___ days
after the occurrence of the loss. . Answer: 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 . Answer: 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 . Answer: The policy must be issued regardless of
health status
• In what form do disability income policies typically pay benefits? .
Answer: Periodic income
• What is considered to be the primary reason for buying life insurance?
. Answer: Provide death benefits
• A newborn is required to be covered for ____ days from the moment of
birth . Answer: 30
• Once an accident and health insurance policy has been in force for ___
year(s), the policy may NOT be contested by the insurer . Answer: 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 .
Answer: Doctor cannot charge more than Medicare's scheduled coverage
• What is issued to each employee with an employer health plan? .
Answer: Certificate
, • What is the tax liability for employer contributions in Health Savings
Accounts (HSA's)? . Answer: 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 . Answer: National
Association of Insurance Underwriters
• In NJ, health insurance advertisements are required to contain the .
Answer: insurance company's name
• Replacement regulation is designed to protect the interests of . Answer:
Policyowners
• The Commissioner of Insurance is appointed by . Answer: The
governor
• Which type of plan would be most appropriate for an individual on
Medicare and is concerned that Medicare will NOT pay for charges
exceeding the approved amount? . Answer: Medicare supplement plan F
• Which of the following is NOT a common exclusion for a medical
expense policy?
Physical therapy
Act of war
on the job injury
self inflicted injury . Answer: Physical therapy
