PEARSON VUE NATIONAL HEALTH
INSURANCE PRACTICE TEST EXAM
FULLY SOLVED & UPDATED 2026-2027
(LATEST VERSION VERIFIED FOR
ACCURACY) (QUESTIONS + ANSWERS)
SOLVED 100% CORRECT!!
AnIinsurerImustIprovideIclaimIformsItoIanIinsuredIwithinIaIMAXIMUMIofIhowImanyIdaysIafterIreceiv
ingInoticeIofIanIAccidentI&IHealthIclaim?
A.IFive
B.IFifteen
C.ITwenty
D.IThirtyI-ICORRECTIANSWERb
UnderIaIgroupIhealthIplan,IanIemployerImayIofferIadditionalIbenefitsItoIclassesIofIemployeesIonItheI
basisIofIallIofItheIfollowingIfactorsIEXCEPT:
A.IlengthIofIemployment
B.Igender
C.IsalaryIgrade
,D.IjobIcategoryI-ICORRECTIANSWERb
WhichIofItheIfollowingIstatementsIisICORRECTIaboutIaIWaiverIofIPremiumIprovisionIinIaIDisabilityIIn
comeIpolicy?
A.IItIallowsItheIinsurerItoIdeductIpremiumsIdueIfromItheIdisabledIinsured'sIbenefitIpayments.
B.IItIallowsItheIinsurerItoIincreaseItheIamountIofIpremiumIduringItheIinsured'sItimeIofIdisability.
C.IItIallowsItheIinsuredItoIextendItheIlengthIofItheIGraceIPeriodIwhileIdisabled.
D.IItIallowsItheIinsuredItoImaintainIaIpolicyIinIforceIwhileIdisabledIandIunableItoIpayIpremiums.I-
ICORRECTIANSWERd
Suicide,Ipre-existingIconditionsIandIself-
inflictedIinjuriesIareIdealtIwithIinIwhichIofItheIfollowingIpolicyIfeatures?
A.IExtensionsIofIcoverage
B.IBenefitsIclause
C.IRiders
D.IExclusionsI-ICORRECTIANSWERd
, AnIinsuredIbecomesIdisabledIthreeIyearsIafterIhisIDisabilityIIncomeIpolicyIisIissued.ITheIdisabilityIisI
causedIbyIaIconditionIthatIexistedIpriorItoItheIpolicyIissueIdateIbutIwasInotIspecificallyIexcludedIfro
mIcoverage.IInIthisIsituation,ItheIinsurerIwillImostIlikelyItakeIwhichIofItheIfollowingIactions?
A.IPayItheIfullIclaim
B.IPayItheIclaimIforIaImaximumIofIsixImonthsIonly
C.IDenyItheIclaimIonItheIbasisIofImisrepresentation
D.IDenyItheIclaimIbecauseIitIinvolvesIaIpre-existingIconditionI-ICORRECTIANSWERa
AIhealthIcareIplanIthatIreimbursesIaIflatIfeeIforImedicalIcareIitIprovidesIatIaIclinicIitIownsIandIoperate
sIisIreferredItoIas:
A.IHealthIMaintenanceIOrganization
B.IMedicaid
C.IMedicare
D.IMultipleIEmployerITrustI(MET)I-ICORRECTIANSWERa
WhichIofItheIfollowingIlawsIrequiresIanIinsurerItoInotifyIanIapplicantIinIwritingIthatIanIinvestigativeIc
onsumerIreportImayIbeImadeIonItheIapplicant?
A.IUniformIProvisionsILaw
INSURANCE PRACTICE TEST EXAM
FULLY SOLVED & UPDATED 2026-2027
(LATEST VERSION VERIFIED FOR
ACCURACY) (QUESTIONS + ANSWERS)
SOLVED 100% CORRECT!!
AnIinsurerImustIprovideIclaimIformsItoIanIinsuredIwithinIaIMAXIMUMIofIhowImanyIdaysIafterIreceiv
ingInoticeIofIanIAccidentI&IHealthIclaim?
A.IFive
B.IFifteen
C.ITwenty
D.IThirtyI-ICORRECTIANSWERb
UnderIaIgroupIhealthIplan,IanIemployerImayIofferIadditionalIbenefitsItoIclassesIofIemployeesIonItheI
basisIofIallIofItheIfollowingIfactorsIEXCEPT:
A.IlengthIofIemployment
B.Igender
C.IsalaryIgrade
,D.IjobIcategoryI-ICORRECTIANSWERb
WhichIofItheIfollowingIstatementsIisICORRECTIaboutIaIWaiverIofIPremiumIprovisionIinIaIDisabilityIIn
comeIpolicy?
A.IItIallowsItheIinsurerItoIdeductIpremiumsIdueIfromItheIdisabledIinsured'sIbenefitIpayments.
B.IItIallowsItheIinsurerItoIincreaseItheIamountIofIpremiumIduringItheIinsured'sItimeIofIdisability.
C.IItIallowsItheIinsuredItoIextendItheIlengthIofItheIGraceIPeriodIwhileIdisabled.
D.IItIallowsItheIinsuredItoImaintainIaIpolicyIinIforceIwhileIdisabledIandIunableItoIpayIpremiums.I-
ICORRECTIANSWERd
Suicide,Ipre-existingIconditionsIandIself-
inflictedIinjuriesIareIdealtIwithIinIwhichIofItheIfollowingIpolicyIfeatures?
A.IExtensionsIofIcoverage
B.IBenefitsIclause
C.IRiders
D.IExclusionsI-ICORRECTIANSWERd
, AnIinsuredIbecomesIdisabledIthreeIyearsIafterIhisIDisabilityIIncomeIpolicyIisIissued.ITheIdisabilityIisI
causedIbyIaIconditionIthatIexistedIpriorItoItheIpolicyIissueIdateIbutIwasInotIspecificallyIexcludedIfro
mIcoverage.IInIthisIsituation,ItheIinsurerIwillImostIlikelyItakeIwhichIofItheIfollowingIactions?
A.IPayItheIfullIclaim
B.IPayItheIclaimIforIaImaximumIofIsixImonthsIonly
C.IDenyItheIclaimIonItheIbasisIofImisrepresentation
D.IDenyItheIclaimIbecauseIitIinvolvesIaIpre-existingIconditionI-ICORRECTIANSWERa
AIhealthIcareIplanIthatIreimbursesIaIflatIfeeIforImedicalIcareIitIprovidesIatIaIclinicIitIownsIandIoperate
sIisIreferredItoIas:
A.IHealthIMaintenanceIOrganization
B.IMedicaid
C.IMedicare
D.IMultipleIEmployerITrustI(MET)I-ICORRECTIANSWERa
WhichIofItheIfollowingIlawsIrequiresIanIinsurerItoInotifyIanIapplicantIinIwritingIthatIanIinvestigativeIc
onsumerIreportImayIbeImadeIonItheIapplicant?
A.IUniformIProvisionsILaw