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ACCIDENT AND HEALTH INSURANCE
EXAM 2025| BRAND NEW ACTUAL EXAM
WITH 100% VERIFIED QUESTIONS AND
CORRECT SOLUTIONS| GUARANTEED
VALUE PACK| ACE YOUR GRADES.
A LTC policy that will only pay for ADL given occasionally by a licensed
professional is:
A: Skilled Care
B: Intermediate Care
C: Custodial Care
D: None of the Above - correct answer - C: Custodial Care
Which of the following policy provisions are optional in a individual
health policy?
A: Entire Contract
B: Change of Occupation
C: Entire Contract
D: Reinstatement - correct answer - B: Change of Occupation
Which of the following elements is part of the entire contract clause?
A: The exchange of value between the parties
B: The agreement between the policyholder and insurer
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C: The amount of time the insured has to send a policy back for a full
refund
D: None of the Above - correct answer - D: None of the Above
All of the following are true regarding Social Security disability EXCEPT:
A: A insured must wait 5 months before collecting benefits
B: To qualify an insured must be unable to do any job in the American
economy
C: To qualify an insured must be disabled for a year or longer or die
within a two year period.
D: The insured must have a certain amount of Social Security credits
based off age. - correct answer - C: To qualify an insured must be
disabled for a year or longer or die within a two year period.
H has suffered a covered disability away from her job and will shortly
begin collecting benefits. The insurer sends a letter to H stating that she
will not receive any benefit amounts greater than her income. This
clause is known as:
A: Over-insurance clause
B: free look
C: relation of earning to insurance
D: relation of economic value - correct answer - C: relation of earning to
insurance
The insured should be aware of the issue date upon delivery a policy
and the date should be listed on:
A: the policy summary
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B: the first page of the contract
C: the delivery receipt
D: upon conditional receipt - correct answer - B: the first page of the
contract
The policy has all of the following rights EXCEPT:
A: Right to solely renew a guaranteed renewable policy.
B: Right to terminate a policy
C: Unilateral right to renew an Optionally renewable policy
D: Right to assign a contract - correct answer - C: Unilateral right to
renew an Optionally renewable policy
The part of a contract that specifies which expenses may or may not be
covered is known as the:
A: Exclusion
B: Eligible Expense provision
C: Insuring Agreement
D: Consideration Clause - correct answer - B: Eligible Expense provision
Which of the following is considered to be a mandatory provision in a
health policy?
A: Time Limit on Certain Defenses
B: Change of Occupation
C: Illegal Occupation
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D: Intoxicant/Narcotic Usage - correct answer - A: Time Limit on Certain
Defenses
Which of the following may be considered an eligible expense found in a
health policy?
A: Cosmetic Surgery
B: Premium payment
C: cold cream
D: Bus fare to receive treatment for a covered loss - correct answer - D:
Bus fare to receive treatment for a covered loss
K has a policy that covers doctors visits but limits the number of visits
per calendar year and pays a limited indemnification limit per visit. K
has:
A: Basic Medical Expense
B: Physician Nonsurgical Coverage
C: Basic Surgical Policy
D: Basic Hospital Coverage - correct answer - B: Physician Nonsurgical
Coverage
All of the following are CORRECT about Medicare EXCEPT:
A: An insured who is age 30 but collecting Social Security disability for
the last two years is eligible for Medicare.
B: An insured who is age 60 and is at the end stage of renal failure is
eligible for Medicare.
ACCIDENT AND HEALTH INSURANCE
EXAM 2025| BRAND NEW ACTUAL EXAM
WITH 100% VERIFIED QUESTIONS AND
CORRECT SOLUTIONS| GUARANTEED
VALUE PACK| ACE YOUR GRADES.
A LTC policy that will only pay for ADL given occasionally by a licensed
professional is:
A: Skilled Care
B: Intermediate Care
C: Custodial Care
D: None of the Above - correct answer - C: Custodial Care
Which of the following policy provisions are optional in a individual
health policy?
A: Entire Contract
B: Change of Occupation
C: Entire Contract
D: Reinstatement - correct answer - B: Change of Occupation
Which of the following elements is part of the entire contract clause?
A: The exchange of value between the parties
B: The agreement between the policyholder and insurer
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C: The amount of time the insured has to send a policy back for a full
refund
D: None of the Above - correct answer - D: None of the Above
All of the following are true regarding Social Security disability EXCEPT:
A: A insured must wait 5 months before collecting benefits
B: To qualify an insured must be unable to do any job in the American
economy
C: To qualify an insured must be disabled for a year or longer or die
within a two year period.
D: The insured must have a certain amount of Social Security credits
based off age. - correct answer - C: To qualify an insured must be
disabled for a year or longer or die within a two year period.
H has suffered a covered disability away from her job and will shortly
begin collecting benefits. The insurer sends a letter to H stating that she
will not receive any benefit amounts greater than her income. This
clause is known as:
A: Over-insurance clause
B: free look
C: relation of earning to insurance
D: relation of economic value - correct answer - C: relation of earning to
insurance
The insured should be aware of the issue date upon delivery a policy
and the date should be listed on:
A: the policy summary
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B: the first page of the contract
C: the delivery receipt
D: upon conditional receipt - correct answer - B: the first page of the
contract
The policy has all of the following rights EXCEPT:
A: Right to solely renew a guaranteed renewable policy.
B: Right to terminate a policy
C: Unilateral right to renew an Optionally renewable policy
D: Right to assign a contract - correct answer - C: Unilateral right to
renew an Optionally renewable policy
The part of a contract that specifies which expenses may or may not be
covered is known as the:
A: Exclusion
B: Eligible Expense provision
C: Insuring Agreement
D: Consideration Clause - correct answer - B: Eligible Expense provision
Which of the following is considered to be a mandatory provision in a
health policy?
A: Time Limit on Certain Defenses
B: Change of Occupation
C: Illegal Occupation
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D: Intoxicant/Narcotic Usage - correct answer - A: Time Limit on Certain
Defenses
Which of the following may be considered an eligible expense found in a
health policy?
A: Cosmetic Surgery
B: Premium payment
C: cold cream
D: Bus fare to receive treatment for a covered loss - correct answer - D:
Bus fare to receive treatment for a covered loss
K has a policy that covers doctors visits but limits the number of visits
per calendar year and pays a limited indemnification limit per visit. K
has:
A: Basic Medical Expense
B: Physician Nonsurgical Coverage
C: Basic Surgical Policy
D: Basic Hospital Coverage - correct answer - B: Physician Nonsurgical
Coverage
All of the following are CORRECT about Medicare EXCEPT:
A: An insured who is age 30 but collecting Social Security disability for
the last two years is eligible for Medicare.
B: An insured who is age 60 and is at the end stage of renal failure is
eligible for Medicare.
