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PEARSON VUE NATIONAL HEALTH INSURANCE EXAM LATEST 2026-2027
ACTUAL EXAM WITH COMPLETE QUESTIONS AND CORRECT DETAILED
ANSWERS (100% VERIFIED ANSWERS) |ALREADY GRADED A+| ||PROFESSOR
VERIFIED|| ||BRANDNEW!!!||
An insured becomes disabled three years after his Disability
Income policy is issued. The disability is caused by a condition
that existed prior to the policy issue date but was not specifically
excluded from coverage. In this situation, the insurer will most
likely take which of the following actions?
A. Pay the full claim
B. Pay the claim for a maximum of six months only
C. Deny the claim on the basis of misrepresentation
D. Deny the claim because it involves a pre-existing condition -
ANSWER-A. Pay the full claim
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:
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A. Health Maintenance Organization
B. Medicaid
C. Medicare
D. Multiple Employer Trust (MET) - ANSWER-A. Health
Maintenance Organization
Which of the following laws requires an insurer to notify an
applicant in writing that an investigative consumer report may be
made on the applicant?
A. Uniform Provisions Law
B. Freedom of Information Act
C. Medical Information Bureau Disclosure Act
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D. Fair Credit Reporting Act (Insurance Information and Privacy
Protection Act) - ANSWER-D. Fair Credit Reporting Act
(Insurance Information and Privacy Protection Act)
Under a Guaranteed Renewable Accident & Health policy, an
insurer retains the right to:
A.increase the premium rate for one insured without increasing
the rate for others in the same class
A. increase the premium rate for one insured without increasing
the rate for others in the same class
B. increase the premium rate for an entire class of insureds
C. increase the benefits for an individual insured
D. decrease benefits for one insured without decreasing benefits
for others in the same class - ANSWER-D. decrease benefits for
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one insured without decreasing benefits for others in the same
class
Under a Guaranteed Renewable Accident & Health policy, an
insurer retains the right to:
A.increase the premium rate for one insured without increasing
the rate for others in the same class
A. increase the premium rate for one insured without increasing
the rate for others in the same class
B. increase the premium rate for an entire class of insureds
C. increase the benefits for an individual insured
D. decrease benefits for one insured without decreasing benefits
for others in the same class - ANSWER-B. increase the premium
rate for an entire class of insureds
PEARSON VUE NATIONAL HEALTH INSURANCE EXAM LATEST 2026-2027
ACTUAL EXAM WITH COMPLETE QUESTIONS AND CORRECT DETAILED
ANSWERS (100% VERIFIED ANSWERS) |ALREADY GRADED A+| ||PROFESSOR
VERIFIED|| ||BRANDNEW!!!||
An insured becomes disabled three years after his Disability
Income policy is issued. The disability is caused by a condition
that existed prior to the policy issue date but was not specifically
excluded from coverage. In this situation, the insurer will most
likely take which of the following actions?
A. Pay the full claim
B. Pay the claim for a maximum of six months only
C. Deny the claim on the basis of misrepresentation
D. Deny the claim because it involves a pre-existing condition -
ANSWER-A. Pay the full claim
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:
,2|Page
A. Health Maintenance Organization
B. Medicaid
C. Medicare
D. Multiple Employer Trust (MET) - ANSWER-A. Health
Maintenance Organization
Which of the following laws requires an insurer to notify an
applicant in writing that an investigative consumer report may be
made on the applicant?
A. Uniform Provisions Law
B. Freedom of Information Act
C. Medical Information Bureau Disclosure Act
,3|Page
D. Fair Credit Reporting Act (Insurance Information and Privacy
Protection Act) - ANSWER-D. Fair Credit Reporting Act
(Insurance Information and Privacy Protection Act)
Under a Guaranteed Renewable Accident & Health policy, an
insurer retains the right to:
A.increase the premium rate for one insured without increasing
the rate for others in the same class
A. increase the premium rate for one insured without increasing
the rate for others in the same class
B. increase the premium rate for an entire class of insureds
C. increase the benefits for an individual insured
D. decrease benefits for one insured without decreasing benefits
for others in the same class - ANSWER-D. decrease benefits for
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one insured without decreasing benefits for others in the same
class
Under a Guaranteed Renewable Accident & Health policy, an
insurer retains the right to:
A.increase the premium rate for one insured without increasing
the rate for others in the same class
A. increase the premium rate for one insured without increasing
the rate for others in the same class
B. increase the premium rate for an entire class of insureds
C. increase the benefits for an individual insured
D. decrease benefits for one insured without decreasing benefits
for others in the same class - ANSWER-B. increase the premium
rate for an entire class of insureds
