FL HEALTH AND ACCIDENT INSURANCE STATE
EXAM 200 QUESTIONS & CORRECT ANSWERS
LATEST 2025
Which of the following BEST describes how pre-admission certifications are used?
- ANSWER-Used to prevent nonessential medical costs
A policyowner would like to change the beneficiary on an Accidental Death and
Dismemberment (AD&D) insurance policy and make the change permanent.
Which type of designation would fulfill this need? - ANSWER-Irrevocable
Before a health insurance policy is issued, which of these components of the
contract is required? - ANSWER-Applicant's signature on app
Which of the following claims are typically excluded from Medical expense
policies? - ANSWER-Intentionally self-inflicted injuries
When an employee is required to pay a portion of the premium for an
employer/employee group health plan, the employee is covered under which of
the following plans? - ANSWER-Contributory
Under an Individual Disability policy in Florida, what is the minimum schedule of
time in which claims must be made to an insured? - ANSWER-Monthly
,An insured owns an individual Disability Income policy with a 30-day Elimination
Period for sickness and accidents and a monthly indemnity benefit of $500. If the
insured is disabled for 3 1/2 months, what is the MAXIMUM amount he would
receive for an approved claim? - ANSWER-1,250
An insurer receives proof of loss for an acceptable medical expense claim under
an Individual Health Insurance Policy. Under the Time of Payment of Claims
provision, the insurer MUST pay the benefits: - ANSWER-immediantly
Insurance policies are offered on a "take it or leave it" basis, which make them: -
ANSWER-Contracts of Adhesion
M completes an application for health insurance but does not pay the initial
premium. All of these actions must occur before M's policy goes into effect,
EXCEPT: - ANSWER-free-look period has expired
M becomes disabled and is unable to work for six months. M dies soon after from
complications arising from this disability. M has a Disability Income policy that
pays $2,000 a month. Which of the following statements BEST describes what is
owed to her estate? - ANSWER-Earned but unpaid benefits
Accidental Death coverage is provided to commercial airline passengers in which
of the following types of policies? - ANSWER-blanket accident policy
Which of the following statements is correct regarding an employer/employee
group health plan? - ANSWER-the employer recieves a master policy and the
employees recieve certificates
, Upon reaching the limiting age, a handicapped child can extend their health
insurance coverage as a dependent - ANSWER-Only if the child is incapable of
employment and chiefly dependent on the policyowner
What is the required minimum percentage of employee participation for a
noncontributory group health insurance plan according to Florida Law? -
ANSWER-0%
Which Accident and Health policy provision addresses preexisting conditions? -
ANSWER-Time Limit on Certain Defenses
Which of the following can an agent provide to help a prospective client
understand and purchase the most appropriate product? - ANSWER-Buyer's guide
Which of the following characteristics is associated with a large group disability
income policy? - ANSWER-no medical underwritting
Association Plans that are designed to provide health benefits to their members
are regulated by the state because - ANSWER-they are insured by an authorized
insurer
Insurance contracts are known as ____ because certain future conditions or acts
must occur before any claims can be paid. - ANSWER-conditional
Which of the following statements is true about most Blue Cross/Blue Shield
organizations? - ANSWER-nonprofit
EXAM 200 QUESTIONS & CORRECT ANSWERS
LATEST 2025
Which of the following BEST describes how pre-admission certifications are used?
- ANSWER-Used to prevent nonessential medical costs
A policyowner would like to change the beneficiary on an Accidental Death and
Dismemberment (AD&D) insurance policy and make the change permanent.
Which type of designation would fulfill this need? - ANSWER-Irrevocable
Before a health insurance policy is issued, which of these components of the
contract is required? - ANSWER-Applicant's signature on app
Which of the following claims are typically excluded from Medical expense
policies? - ANSWER-Intentionally self-inflicted injuries
When an employee is required to pay a portion of the premium for an
employer/employee group health plan, the employee is covered under which of
the following plans? - ANSWER-Contributory
Under an Individual Disability policy in Florida, what is the minimum schedule of
time in which claims must be made to an insured? - ANSWER-Monthly
,An insured owns an individual Disability Income policy with a 30-day Elimination
Period for sickness and accidents and a monthly indemnity benefit of $500. If the
insured is disabled for 3 1/2 months, what is the MAXIMUM amount he would
receive for an approved claim? - ANSWER-1,250
An insurer receives proof of loss for an acceptable medical expense claim under
an Individual Health Insurance Policy. Under the Time of Payment of Claims
provision, the insurer MUST pay the benefits: - ANSWER-immediantly
Insurance policies are offered on a "take it or leave it" basis, which make them: -
ANSWER-Contracts of Adhesion
M completes an application for health insurance but does not pay the initial
premium. All of these actions must occur before M's policy goes into effect,
EXCEPT: - ANSWER-free-look period has expired
M becomes disabled and is unable to work for six months. M dies soon after from
complications arising from this disability. M has a Disability Income policy that
pays $2,000 a month. Which of the following statements BEST describes what is
owed to her estate? - ANSWER-Earned but unpaid benefits
Accidental Death coverage is provided to commercial airline passengers in which
of the following types of policies? - ANSWER-blanket accident policy
Which of the following statements is correct regarding an employer/employee
group health plan? - ANSWER-the employer recieves a master policy and the
employees recieve certificates
, Upon reaching the limiting age, a handicapped child can extend their health
insurance coverage as a dependent - ANSWER-Only if the child is incapable of
employment and chiefly dependent on the policyowner
What is the required minimum percentage of employee participation for a
noncontributory group health insurance plan according to Florida Law? -
ANSWER-0%
Which Accident and Health policy provision addresses preexisting conditions? -
ANSWER-Time Limit on Certain Defenses
Which of the following can an agent provide to help a prospective client
understand and purchase the most appropriate product? - ANSWER-Buyer's guide
Which of the following characteristics is associated with a large group disability
income policy? - ANSWER-no medical underwritting
Association Plans that are designed to provide health benefits to their members
are regulated by the state because - ANSWER-they are insured by an authorized
insurer
Insurance contracts are known as ____ because certain future conditions or acts
must occur before any claims can be paid. - ANSWER-conditional
Which of the following statements is true about most Blue Cross/Blue Shield
organizations? - ANSWER-nonprofit
