ExamFX Guarantee Exam Questions With Complete Solutions.

which of the following would NOT be considered limited coverage policy? a. accident-only insurance b. travel policy c. major medical expense insurance d. special risk policy correct answer: c. major medical exoense insurance limited policies cover only expense incurred from specific diseases, or specific causes which of the following is NOT mandatory under the uniform provision law as applied to accident and health policies? a. physical examination and autopsy b. entire contract c. probationary period d. time limit on certain defenses correct answer: c. probationary period probationary period is an optional provision with respect to the entire contract clause in health policies, who has the authority to make changes to an existing policy? correct answer: only an executive office of the company no changes may be made to the policy without the express written agreement of both parties, and any changes must be also made a part of the contract. only an executive officer of the company, not an agent, has authority to make any changes to the policy. if a life insurance company uses HIV testing as part of its underwriting, when must an applicant be notified of the procedure? correct answer: prior to the performance of the test prior to testing, the insurer must disclose in writing its intent to test the applicant for the HIV or for a specific health condition derived from HIV. the insurer must obtain the applicant's written informed consent to administer the test. a major medical expense would exclude coverage for all of the following treatments EXCEPT a. dental care b. cosmetic surgery c. drug addiction