PearsonVue Health Insurance Practice Exam
PearsonVue Health Insurance Practice Exam
with Answers
Question 1
Medicare Part A covers which of the following expenses?
Correct Answer
Hospital room and board
Question 2
Which of the following reports may include information obtained by a telephone call
to the proposed insured?
Correct Answer
Inspection report
Question 3
An individual who has had a heart murmur since birth is likely to be issued an
individual disability policy that includes:
Correct Answer
an Exclusionary/ Impairment rider
Question 4
On June 1, S purchased a Major Medical policy and paid the initial premium to
Producer T. On July 1, Producer T received the policy from the insurance company.
The policy contained a Ten-Day Free Look provision. On July 3, Producer T attempted
to deliver the policy but found that S was not at home. On July 5, Producer T was able
to deliver the policy to S. On July 7, S decided he did not want the policy. S had 10
days from which of the following dates to return the policy to the company and
obtain a full premium refund?
Correct Answer
July 5
Page 1 of 16
, PearsonVue Health Insurance Practice Exam
Question 5
When delivering a policy to a client, a producer should take all of the following
actions EXCEPT:
Correct Answer
keep the policy in the producer's office for safe-keeping on behalf of the client
Question 6
An applicant for insurance submits an application to an insurer for underwriting but
does not forward any premium payment with the application. Legally, the applicant is
making:
Correct Answer
an inquiry for an offer
Question 7
Which of the following definitions of disability would cover a permanent partial
disability?
Correct Answer
Residual disability
Question 8
The Elimination Period in most Disability Income policies applies:
Correct Answer
to each separate disability
Question 9
Which of the following statements is CORRECT about a Waiver of Premium provision
in a Disability Income policy?
Correct Answer
It allows the insured to maintain a policy in force while disabled and unable to pay
premiums.
Page 2 of 16
, PearsonVue Health Insurance Practice Exam
Question 10
The Consideration clause in an accident and health policy states the:
Correct Answer
the applicant pays the initial premium
Question 11
All of the following elements are required of a contract EXCEPT:
Correct Answer
assignment
Question 12
A producer and an applicant complete an application for a health policy and submit it
to the insurer for underwriting without any premium. The underwriter issues a policy
and mails it to the producer for delivery to the applicant. The producer should take all
of the following actions during the delivery of the policy to the applicant EXCEPT:
Correct Answer
issue a conditional receipt
Question 13
Under a group health plan, an employer may offer additional benefits to classes of
employees on the basis of all of the following factors EXCEPT:
Correct Answer
gender
Question 14
A health care plan that reimburses a flat fee for medical care it provides at a clinic it
owns and operates is referred to as:
Correct Answer
a Health Maintenance Organization
Page 3 of 16
PearsonVue Health Insurance Practice Exam
with Answers
Question 1
Medicare Part A covers which of the following expenses?
Correct Answer
Hospital room and board
Question 2
Which of the following reports may include information obtained by a telephone call
to the proposed insured?
Correct Answer
Inspection report
Question 3
An individual who has had a heart murmur since birth is likely to be issued an
individual disability policy that includes:
Correct Answer
an Exclusionary/ Impairment rider
Question 4
On June 1, S purchased a Major Medical policy and paid the initial premium to
Producer T. On July 1, Producer T received the policy from the insurance company.
The policy contained a Ten-Day Free Look provision. On July 3, Producer T attempted
to deliver the policy but found that S was not at home. On July 5, Producer T was able
to deliver the policy to S. On July 7, S decided he did not want the policy. S had 10
days from which of the following dates to return the policy to the company and
obtain a full premium refund?
Correct Answer
July 5
Page 1 of 16
, PearsonVue Health Insurance Practice Exam
Question 5
When delivering a policy to a client, a producer should take all of the following
actions EXCEPT:
Correct Answer
keep the policy in the producer's office for safe-keeping on behalf of the client
Question 6
An applicant for insurance submits an application to an insurer for underwriting but
does not forward any premium payment with the application. Legally, the applicant is
making:
Correct Answer
an inquiry for an offer
Question 7
Which of the following definitions of disability would cover a permanent partial
disability?
Correct Answer
Residual disability
Question 8
The Elimination Period in most Disability Income policies applies:
Correct Answer
to each separate disability
Question 9
Which of the following statements is CORRECT about a Waiver of Premium provision
in a Disability Income policy?
Correct Answer
It allows the insured to maintain a policy in force while disabled and unable to pay
premiums.
Page 2 of 16
, PearsonVue Health Insurance Practice Exam
Question 10
The Consideration clause in an accident and health policy states the:
Correct Answer
the applicant pays the initial premium
Question 11
All of the following elements are required of a contract EXCEPT:
Correct Answer
assignment
Question 12
A producer and an applicant complete an application for a health policy and submit it
to the insurer for underwriting without any premium. The underwriter issues a policy
and mails it to the producer for delivery to the applicant. The producer should take all
of the following actions during the delivery of the policy to the applicant EXCEPT:
Correct Answer
issue a conditional receipt
Question 13
Under a group health plan, an employer may offer additional benefits to classes of
employees on the basis of all of the following factors EXCEPT:
Correct Answer
gender
Question 14
A health care plan that reimburses a flat fee for medical care it provides at a clinic it
owns and operates is referred to as:
Correct Answer
a Health Maintenance Organization
Page 3 of 16
