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LOUISIANA ACCIDENT HEALTH INSURANCE EXAM
2025 ACTUAL EXAM QUESTIONS WITH 100%
CORRECT SOLUTIONS | GUARANTEED SUCCESS.
Accident - (answers)An unplanned, unforeseen event which occurs suddenly and
at an unspecified place.
Accident Insurance - (answers)A type of insurance that protects the insured
against loss due to accidental bodily injury.
Accidental Bodily Injury - (answers)Unplanned, unforeseen traumatic injury to the
body.
Accidental Death and Dismemberment - (answers)An insurance policy which pays
a specified amount or a specified multiple of the insured's benefit if the insured
dies, loses his/her sight, or loses two limbs due to an accident.
Accidental Death Benefits - (answers)A policy rider that states that the cause of
death will be analyzed to determine if it complies with the policy description of
accidental death.
Acquired Immunodeficiency Syndrome (AIDS) - (answers)An infectious and
incurable disease caused by the human immunodeficiency virus (HIV).
Activities of Daily Living - (answers)Activities individuals must do every day such as
moving about, getting dressed, eating, bathing, etc.
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Actual Charge - (answers)The amount a physician or supplier actually bills for a
particular service or supply
Adhesion - (answers)A contract offered on a "take-it-or-leave-it" basis by an
insurer, in which the insured's only option is to accept or reject the contract. Any
ambiguities in the contract will be settled in favor of the insured.
Admitted (Authorized) Insurer - (answers)An insurance company authorized and
licensed to transact insurance in a particular state.
Adult Day Care - (answers)A program for impaired adults that attempts to meet
their health, social, and functional needs in a setting away from their homes.
Adverse Selection - (answers)The tendency of risks with higher probability of loss
to purchase and maintain insurance more often than the risks who present lower
probability.
Agent - (answers)An individual who is licensed to sell, negotiate, or effect
insurance contracts on behalf of an insurer.
Aleatory - (answers)A contract in which participating parties exchange unequal
amounts. Insurance contracts are aleatory in that the amount the insured will pay
in premiums is unequal to the amount the insurer will pay in the event of a loss.
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Alien Insurer - (answers)An insurance company that is incorporated outside the
United States.
Alzheimer's Disease - (answers)A disease that causes the victim to become
dysfunctional due to degeneration of brain cells and severe memory loss.
Apparent Authority - (answers)The appearance or the assumption of authority
based on the actions, words, or deeds of the principal or because of
circumstances the principal created.
Approved Amount - (answers)The amount Medicare determines to be reasonable
for a service that is covered under Part B of Medicare.
Assignment - (answers)A claim to a provider or medical supplier to receive
payments directly from Medicare.
Attained Age - (answers)The age of the insured at a determined date.
Attending Physician's Statement (APS) - (answers)A statement usually obtained
from the applicant's doctor.
Avoidance - (answers)A method of dealing with risk (e.g. if a person wanted to
avoid the risk of being killed in an airplane crash, he/she might choose never to fly
in a plane).
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Basic Hospital Expense Insurance - (answers)Coverage that provides benefits for
room, board and miscellaneous hospital expenses for a certain number of days
during a hospital stay.
Basic Medical Expense Insurance - (answers)Coverage for doctor visits, x-rays, lab
tests, and emergency room visits; benefits, however, are limited to specified
dollar amounts.
Beneficiary - (answers)The person who receives the proceeds from the policy
when the insured dies.
Benefit Period - (answers)The length of time over which the insurance benefits
will be paid for each illness, disability, or hospital stay.
Birthday Rule - (answers)The method of determining primary coverage for a
dependent child, under which the plan of the parent whose birthday occurs first
in the calendar year, is designated as primary.
Blanket Medical Insurance - (answers)A policy that provides benefits for all
medical costs, including doctor visits, hospitalization, and drugs.
Boycott - (answers)An unfair trade practice in which one person refuses to do
business with another until he or she agrees to certain conditions.
LOUISIANA ACCIDENT HEALTH INSURANCE EXAM
2025 ACTUAL EXAM QUESTIONS WITH 100%
CORRECT SOLUTIONS | GUARANTEED SUCCESS.
Accident - (answers)An unplanned, unforeseen event which occurs suddenly and
at an unspecified place.
Accident Insurance - (answers)A type of insurance that protects the insured
against loss due to accidental bodily injury.
Accidental Bodily Injury - (answers)Unplanned, unforeseen traumatic injury to the
body.
Accidental Death and Dismemberment - (answers)An insurance policy which pays
a specified amount or a specified multiple of the insured's benefit if the insured
dies, loses his/her sight, or loses two limbs due to an accident.
Accidental Death Benefits - (answers)A policy rider that states that the cause of
death will be analyzed to determine if it complies with the policy description of
accidental death.
Acquired Immunodeficiency Syndrome (AIDS) - (answers)An infectious and
incurable disease caused by the human immunodeficiency virus (HIV).
Activities of Daily Living - (answers)Activities individuals must do every day such as
moving about, getting dressed, eating, bathing, etc.
,2|Page
Actual Charge - (answers)The amount a physician or supplier actually bills for a
particular service or supply
Adhesion - (answers)A contract offered on a "take-it-or-leave-it" basis by an
insurer, in which the insured's only option is to accept or reject the contract. Any
ambiguities in the contract will be settled in favor of the insured.
Admitted (Authorized) Insurer - (answers)An insurance company authorized and
licensed to transact insurance in a particular state.
Adult Day Care - (answers)A program for impaired adults that attempts to meet
their health, social, and functional needs in a setting away from their homes.
Adverse Selection - (answers)The tendency of risks with higher probability of loss
to purchase and maintain insurance more often than the risks who present lower
probability.
Agent - (answers)An individual who is licensed to sell, negotiate, or effect
insurance contracts on behalf of an insurer.
Aleatory - (answers)A contract in which participating parties exchange unequal
amounts. Insurance contracts are aleatory in that the amount the insured will pay
in premiums is unequal to the amount the insurer will pay in the event of a loss.
,3|Page
Alien Insurer - (answers)An insurance company that is incorporated outside the
United States.
Alzheimer's Disease - (answers)A disease that causes the victim to become
dysfunctional due to degeneration of brain cells and severe memory loss.
Apparent Authority - (answers)The appearance or the assumption of authority
based on the actions, words, or deeds of the principal or because of
circumstances the principal created.
Approved Amount - (answers)The amount Medicare determines to be reasonable
for a service that is covered under Part B of Medicare.
Assignment - (answers)A claim to a provider or medical supplier to receive
payments directly from Medicare.
Attained Age - (answers)The age of the insured at a determined date.
Attending Physician's Statement (APS) - (answers)A statement usually obtained
from the applicant's doctor.
Avoidance - (answers)A method of dealing with risk (e.g. if a person wanted to
avoid the risk of being killed in an airplane crash, he/she might choose never to fly
in a plane).
, 4|Page
Basic Hospital Expense Insurance - (answers)Coverage that provides benefits for
room, board and miscellaneous hospital expenses for a certain number of days
during a hospital stay.
Basic Medical Expense Insurance - (answers)Coverage for doctor visits, x-rays, lab
tests, and emergency room visits; benefits, however, are limited to specified
dollar amounts.
Beneficiary - (answers)The person who receives the proceeds from the policy
when the insured dies.
Benefit Period - (answers)The length of time over which the insurance benefits
will be paid for each illness, disability, or hospital stay.
Birthday Rule - (answers)The method of determining primary coverage for a
dependent child, under which the plan of the parent whose birthday occurs first
in the calendar year, is designated as primary.
Blanket Medical Insurance - (answers)A policy that provides benefits for all
medical costs, including doctor visits, hospitalization, and drugs.
Boycott - (answers)An unfair trade practice in which one person refuses to do
business with another until he or she agrees to certain conditions.
