CHAPTER 7 HEALTH AND ACCIDENT
Questions and Complete Solutions
Graded A+
a producer or insurer who violates the solicitation regulations can be ordered to pay a fine for each
violation of up to:
A: $1,000
B: $2,000
C: $3,000
D: $4,000 - Answer: B: $2,000
When can a health insurance policy exclude a person from coverage based on a genetic characteristic:
A: if it is a group life policy
B: when issued by a foreign insurer
C: if the genetic characteristic predisposes the applicant to a life- threatening disease
D: under no circumstances - Answer: D: under no circumstances
an insurer hires an advertising agency to create an advertisement for a health insurance policy. the
public complains that the way the advertisement presents the policy is misleading because of certain
photographs that the advertiser put on the commercial. who will be held liable for this:
A: the advertiser
B: the insurer
C: the department of banking and insurance
D: all of the above - Answer: B: the insurer
all of the following are advertisements EXCEPT:
A: television commercials
B: brochures
C: a discussion of an insurer's policies on the radio
, D: booklets - Answer: C: a discussion of an insurer's policies on the radio
insurers must maintain containing of their advertisements for:
A: 2 years
B: 3 years
C: 4 years
D: 5 years - Answer: D: 5 years
in insurance terms, if a person has a chromosomal defect that may predispose him/her to a disease, this
is called:
A: genetic characteristic
B: genetic defeat
C: disease precursor
D: risk potential - Answer: A: genetic characteristic
for how long must and insurer maintain files containing all of their advertisements:
A: 5 years
B: 8 years
C: 10 years
D: 12 years - Answer: A: 5 years
which authority is responsible for establishing standards for the content of health insurance policies:
A: commissioner
B: department of banking and insurance
C: insurance regulation commission
D: federal board of insurance regulation - Answer: A: commissioner
which of the following refers to nursing and other health care services rendered to a person in his or her
residence on a part-time or intermittent basis:
Questions and Complete Solutions
Graded A+
a producer or insurer who violates the solicitation regulations can be ordered to pay a fine for each
violation of up to:
A: $1,000
B: $2,000
C: $3,000
D: $4,000 - Answer: B: $2,000
When can a health insurance policy exclude a person from coverage based on a genetic characteristic:
A: if it is a group life policy
B: when issued by a foreign insurer
C: if the genetic characteristic predisposes the applicant to a life- threatening disease
D: under no circumstances - Answer: D: under no circumstances
an insurer hires an advertising agency to create an advertisement for a health insurance policy. the
public complains that the way the advertisement presents the policy is misleading because of certain
photographs that the advertiser put on the commercial. who will be held liable for this:
A: the advertiser
B: the insurer
C: the department of banking and insurance
D: all of the above - Answer: B: the insurer
all of the following are advertisements EXCEPT:
A: television commercials
B: brochures
C: a discussion of an insurer's policies on the radio
, D: booklets - Answer: C: a discussion of an insurer's policies on the radio
insurers must maintain containing of their advertisements for:
A: 2 years
B: 3 years
C: 4 years
D: 5 years - Answer: D: 5 years
in insurance terms, if a person has a chromosomal defect that may predispose him/her to a disease, this
is called:
A: genetic characteristic
B: genetic defeat
C: disease precursor
D: risk potential - Answer: A: genetic characteristic
for how long must and insurer maintain files containing all of their advertisements:
A: 5 years
B: 8 years
C: 10 years
D: 12 years - Answer: A: 5 years
which authority is responsible for establishing standards for the content of health insurance policies:
A: commissioner
B: department of banking and insurance
C: insurance regulation commission
D: federal board of insurance regulation - Answer: A: commissioner
which of the following refers to nursing and other health care services rendered to a person in his or her
residence on a part-time or intermittent basis:
