Accident and Health Insurance

Accident and Health Insurance Exam Questions And

Correct Answers(verified)

1. H has suffered a covered disability away from her job and will shortly

begin collecting benefits. The insurer sends a letter to H stating that she will

not receive any benefit amounts greater than her income. This clause is

known as:

A: Over-insurance

clause B: free look

C: relation of earning to insurance

D: relation of economic value: C: relation of earning to insurance

2. The insured should be aware of the issue date upon delivery a policy

and the date should be listed on:



,A: the policy summary

B: the first page of the

contract C: the delivery receipt

D: upon conditional receipt: B: the first page of the contract

3. The policy has all of the following rights EXCEPT:

A: Right to solely renew a guaranteed renewable

policy. B: Right to terminate a policy

C: Unilateral right to renew an Optionally renewable policy

D: Right to assign a contract: C: Unilateral right to renew an Optionally

renewable policy

4. The part of a contract that specifies which expenses may or may not

be covered is known as the:

A: Exclusion

B: Eligible Expense

provision C: Insuring




,Agreement

D: Consideration Clause: B: Eligible Expense provision

5. Which of the following is considered to be a mandatory provision in a

health policy?

A: Time Limit on Certain Defenses

B: Change of Occupation

C: Illegal Occupation

D: Intoxicant/Narcotic Usage: A: Time Limit on Certain Defenses

6. Which of the following may be considered an eligible expense found

in a health policy?

A: Cosmetic Surgery

B: Premium

payment C: cold

cream

D: Bus fare to receive treatment for a covered loss: D: Bus fare to




, receive treatment for a covered loss