NC Accident and Health Final Exam Prep _ Complete Questions & Verified Answers 2026/02/21
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NC Accident and Health Final Exam Prep | Complete
Questions & Verified Answers
Guidehttps://www.stuvia.com/dashboard!@_)#*)(@$)($@*($@)($@*_Page 1 NC Accident and Health Final Exam Prep _ Complete Questions & Verified Answers.pdf
,NC Accident and Health Final Exam Prep 2026/02/21
Which of these statements concerning an individual Disability Income policy is TRUE?
Normally includes an Elimination period
Which health policy clause stipulates that an insurance company must attach a copy of the application to the policy to ensure
that it is part of the contract?
Entire contract
M is insured under a basic Hospital/Surgical Expense policy. A physician performs surgery on M. What determines the claim M
is eligible for?
Determined by the terms of the policy
An insurance broker in North Carolina is a representative of the
Insured
A vacancy that occurs during the North Carolina Commissioner of Insurance's term of office MUST be filled by the
Governor
Page 2 NC Accident and Health Final Exam Prep.pdf
, NC Accident and Health Final Exam Prep 2026/02/21
A person is required to be AT LEAST how old before he or she is licensed as an agent in North Carolina?
18
Which of the following claims are typically excluded from Medical expense policies?
Intentionally self-inflicted injuries
The provision in a health insurance policy that suspends premiums being paid to the insurer while the insured is disabled is
called the:
Waiver of Premium
Which of the following reimburses its insureds for covered medical expenses?
Commercial insurers
When an insured changes to a more hazardous occupation, which disability policy provision allows an insurer to adjust policy
benefits and rates?
Change of occupation provision
For which of the following expenses does a Basic Hospital policy pay?
Hospital room and board
Page 3 NC Accident and Health Final Exam Prep.pdf
*)#u)()@$+((+_@$_@+_)$$+_)+_$@)$@+_)@++)$+_$@)+_$)+_$$+_+_@$+_)
NC Accident and Health Final Exam Prep | Complete
Questions & Verified Answers
Guidehttps://www.stuvia.com/dashboard!@_)#*)(@$)($@*($@)($@*_Page 1 NC Accident and Health Final Exam Prep _ Complete Questions & Verified Answers.pdf
,NC Accident and Health Final Exam Prep 2026/02/21
Which of these statements concerning an individual Disability Income policy is TRUE?
Normally includes an Elimination period
Which health policy clause stipulates that an insurance company must attach a copy of the application to the policy to ensure
that it is part of the contract?
Entire contract
M is insured under a basic Hospital/Surgical Expense policy. A physician performs surgery on M. What determines the claim M
is eligible for?
Determined by the terms of the policy
An insurance broker in North Carolina is a representative of the
Insured
A vacancy that occurs during the North Carolina Commissioner of Insurance's term of office MUST be filled by the
Governor
Page 2 NC Accident and Health Final Exam Prep.pdf
, NC Accident and Health Final Exam Prep 2026/02/21
A person is required to be AT LEAST how old before he or she is licensed as an agent in North Carolina?
18
Which of the following claims are typically excluded from Medical expense policies?
Intentionally self-inflicted injuries
The provision in a health insurance policy that suspends premiums being paid to the insurer while the insured is disabled is
called the:
Waiver of Premium
Which of the following reimburses its insureds for covered medical expenses?
Commercial insurers
When an insured changes to a more hazardous occupation, which disability policy provision allows an insurer to adjust policy
benefits and rates?
Change of occupation provision
For which of the following expenses does a Basic Hospital policy pay?
Hospital room and board
Page 3 NC Accident and Health Final Exam Prep.pdf
