ACCIDENT AND HEALTH INSURANCE
COMPREHENSIVE CERTIFICATION TEST
2026 COMPLETE QUESTIONS AND
ANSWERS
◉ XYZ Company pays the entire premium for its group health plan.
The MINIMUM percentage of eligible employees that must be
covered is
Answer: 100%
Most noncontributory group health plans require 100%
participation by eligible employees.
◉ What is issued to each employee of an employer health plan?
Answer: Certificate
◉ All students attending a large university could be covered by
Answer: a blanket policy
Blanket health insurance is issued to cover a group who may be
exposed to the same risks, but the composition of the group (the
individuals within the group) are constantly changing.
, ◉ P is an employee who quits her job and wants to convert her
group health coverage to an individual policy. After the expiration of
COBRA laws, which of the following statements is TRUE?
Answer: The correct answer is "She does NOT need to provide
evidence of insurability". Under COBRA, conversion of group
accident and health coverage to an individual policy does not require
evidence of insurability.
◉ The federal income tax treatment of employer-provided group
Medical Expense insurance can be accurately described as
Answer: Employee's premiums paid by the employer is tax-
deductible to the employer as a business expenditure
Premiums paid by an employer for an employee's coverage are
deductible by the employer as a business expense.
◉ Which of the following is the reimbursement of benefits for the
treatment of a beneficiary's injuries caused by a third party?
Answer: Subrogation
Subrogation is the right for an insurer to pursue a third party that
caused an insurance loss to the insured. This is done as a means of
recovering the amount of the claim paid to the insured for the loss.
COMPREHENSIVE CERTIFICATION TEST
2026 COMPLETE QUESTIONS AND
ANSWERS
◉ XYZ Company pays the entire premium for its group health plan.
The MINIMUM percentage of eligible employees that must be
covered is
Answer: 100%
Most noncontributory group health plans require 100%
participation by eligible employees.
◉ What is issued to each employee of an employer health plan?
Answer: Certificate
◉ All students attending a large university could be covered by
Answer: a blanket policy
Blanket health insurance is issued to cover a group who may be
exposed to the same risks, but the composition of the group (the
individuals within the group) are constantly changing.
, ◉ P is an employee who quits her job and wants to convert her
group health coverage to an individual policy. After the expiration of
COBRA laws, which of the following statements is TRUE?
Answer: The correct answer is "She does NOT need to provide
evidence of insurability". Under COBRA, conversion of group
accident and health coverage to an individual policy does not require
evidence of insurability.
◉ The federal income tax treatment of employer-provided group
Medical Expense insurance can be accurately described as
Answer: Employee's premiums paid by the employer is tax-
deductible to the employer as a business expenditure
Premiums paid by an employer for an employee's coverage are
deductible by the employer as a business expense.
◉ Which of the following is the reimbursement of benefits for the
treatment of a beneficiary's injuries caused by a third party?
Answer: Subrogation
Subrogation is the right for an insurer to pursue a third party that
caused an insurance loss to the insured. This is done as a means of
recovering the amount of the claim paid to the insured for the loss.
