NJ HEALTH AND ACCIDENT ACTUAL EXAM
PAPER 2026 QUESTIONS WITH ANSWERS
GRADED A+
◉ Employer sponsored group health insurance provides coverage for
which of the following?
Self-inflicted injuries
cosmetic surgery
custodial care
alcoholism. Answer: alcoholism
◉ A Medicare supplement policy can be cancelled by the insurer for.
Answer: Nonpayment
◉ Which entity is responsible for regulating insurance advertising in
NJ? Answer: New Jersey Department of Banking and Insurance
◉ Which of the following are retained at the expense of an insurance
buyer to give advice on insurance needed by the buyer?
,Brokers and consultants
Insurance prospectors
Third-party adminstrators
Agents. Answer: Brokers and consultants
◉ Written notice for a health claim must be given to the insurer ___
days after the occurrence of the loss. Answer: 20
◉ In which of the following situations would the insurer be liable for a
loss?
a) The insured skipped a payment beyond the 31 day grace period
b) The insured was injured while participating in an illegal occupation
c) The insured was given a notice of cancellation from the insurer
d) The insured suffered an injury as an innocent bystander during a bank
robbery. Answer: d) The insured suffered an injury as an innocent
bystander during a bank robbery
◉ When a Medicare supplement policy is purchased during the open
enrollment period. Answer: The policy must be issued regardless of
health status
◉ In what form do disability income policies typically pay benefits?
Answer: Periodic income
, ◉ What is considered to be the primary reason for buying life
insurance? Answer: Provide death benefits
◉ A newborn is required to be covered for ____ days from the moment
of birth. Answer: 30
◉ Once an accident and health insurance policy has been in force for
___ year(s), the policy may NOT be contested by the insurer. Answer: 2
◉ A doctor who accepts Medicare assignment agrees to which of the
following
- Doctor may charge up to a maximum of 15% more than Medicare pays
for the service
- Doctor is not bound by Medicare's limitations on charges
- Doctor cannot charge more than Medicare's scheduled coverage
- Doctor bills the Medicare beneficiary directly for services performed.
Answer: Doctor cannot charge more than Medicare's scheduled coverage
◉ What is issued to each employee with an employer health plan?
Answer: Certificate
PAPER 2026 QUESTIONS WITH ANSWERS
GRADED A+
◉ Employer sponsored group health insurance provides coverage for
which of the following?
Self-inflicted injuries
cosmetic surgery
custodial care
alcoholism. Answer: alcoholism
◉ A Medicare supplement policy can be cancelled by the insurer for.
Answer: Nonpayment
◉ Which entity is responsible for regulating insurance advertising in
NJ? Answer: New Jersey Department of Banking and Insurance
◉ Which of the following are retained at the expense of an insurance
buyer to give advice on insurance needed by the buyer?
,Brokers and consultants
Insurance prospectors
Third-party adminstrators
Agents. Answer: Brokers and consultants
◉ Written notice for a health claim must be given to the insurer ___
days after the occurrence of the loss. Answer: 20
◉ In which of the following situations would the insurer be liable for a
loss?
a) The insured skipped a payment beyond the 31 day grace period
b) The insured was injured while participating in an illegal occupation
c) The insured was given a notice of cancellation from the insurer
d) The insured suffered an injury as an innocent bystander during a bank
robbery. Answer: d) The insured suffered an injury as an innocent
bystander during a bank robbery
◉ When a Medicare supplement policy is purchased during the open
enrollment period. Answer: The policy must be issued regardless of
health status
◉ In what form do disability income policies typically pay benefits?
Answer: Periodic income
, ◉ What is considered to be the primary reason for buying life
insurance? Answer: Provide death benefits
◉ A newborn is required to be covered for ____ days from the moment
of birth. Answer: 30
◉ Once an accident and health insurance policy has been in force for
___ year(s), the policy may NOT be contested by the insurer. Answer: 2
◉ A doctor who accepts Medicare assignment agrees to which of the
following
- Doctor may charge up to a maximum of 15% more than Medicare pays
for the service
- Doctor is not bound by Medicare's limitations on charges
- Doctor cannot charge more than Medicare's scheduled coverage
- Doctor bills the Medicare beneficiary directly for services performed.
Answer: Doctor cannot charge more than Medicare's scheduled coverage
◉ What is issued to each employee with an employer health plan?
Answer: Certificate
