WV Accident and Health Law Test Questions and Correct Answers

A married couple is covered under a guaranteed renewable accident and sickness policy. In which of the following circumstances could one of the spouse's coverage be terminated? a. One of the spouses dies. b. The insurer discovers that a material misrepresentation was made in the application c. Premiums are not pad d. One of the spouses commits fraud in filing a claim. C Ann's accident and Sickness policy provides coverage for her kidney transplant. Is the livedonor covered under her policy? a. No, benefits are not available under the insured's policy for the donor. b. Yes, the donor s expenses are covered just as those of the insured. c. The donor's expenses are covered only to the extent benefits remain after therecipient insured's expenses have been paid. d. It depends on the terms of the accident and sickness policy. C Which of the following is a correct statement about losses under Medicare supplements a. Losses resulting from sickness and accidents under Medicare supplements are indemnified in the same way. b. Benefits for sickness are higher. c. Benefits are higher for accident claims. d. Insured's may choose the way sickness and accidents are indemnities, and this is reflected in the premiums they pay. A When must West Virginia agents provide the Medicare Buyer s Guide to prospectiveinsured's? a. At the time of application b. With the delivery of the policy c. When the first premium is paid d. Any time before the policy is delivered A When must West Virginia direct response issues provide the Medicare Buyer's Guide toprospective insured's a. Before accepting any premium b. Before the insurance presentation c. With the application d. No later than when the policy is delivered D A married couple is covered under a Medicare supplement. In which of the following circumstances could a spouse's coverage be terminated? a. One of the spouses dies. b. The insurer discovers that a material misrepresentation was made in the application. c. Premiums are not paid. d. One of the spouses commits fraud in filing a claim. C