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HPA 210 Quiz 2 UPDATED Exam Questions and CORRECT Answers

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HPA 210 Quiz 2 UPDATED Exam Questions and CORRECT Answers loading percentage - CORRECT ANSWER - is the markup to cover objective risk, profit and costs of marketing, adjudicating and processing claims, coordinating benefits and providing access to networks. gross premium - CORRECT ANSWER pure premium - CORRECT ANSWER objective - CORRECT ANSWER subjective - CORRECT ANSWER underwriting - CORRECT ANSWER - Pure premium/(1-loading percentage) - expected loss - measurable

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HPA 210 Quiz 2 UPDATED Exam
Questions and CORRECT Answers
loading percentage - CORRECT ANSWER - is the markup to cover objective risk, profit
and costs of marketing, adjudicating and processing claims, coordinating benefits and providing
access to networks.


gross premium - CORRECT ANSWER - Pure premium/(1-loading percentage)



pure premium - CORRECT ANSWER - expected loss



objective - CORRECT ANSWER - measurable



subjective - CORRECT ANSWER - non-measurable



underwriting - CORRECT ANSWER - evaluate the risk and exposures of potential clients.
They decide how much coverage the client should receive, how much they should pay for it, or
whether even to accept the risk and insure them.


community rating - CORRECT ANSWER - All covered lives are in the same risk pool



manual rating - CORRECT ANSWER - Individuals are placed in risk pools based upon
common characteristics


prospective experience rating - CORRECT ANSWER - Based upon prior claims of the
group


retrospective experience rating - CORRECT ANSWER - Basic premium covers
administration, claims adjudication, and any stoploss features.

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