NJ Accident and Health Exam ques ons and answers
Newest RATED A+ 2025/2026
The Commissioner must approve - Correct Answers Con nuing educa on courses
Employer sponsored group health insurance provides coverage for which of the following?
Self-inflicted injuries
cosme c surgery
custodial care
alcoholism - Correct Answers alcoholism
A Medicare supplement policy can be cancelled by the insurer for - Correct Answers
Nonpayment
Which en ty is responsible for regula ng insurance adver sing in NJ? - Correct Answers 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 - Correct Answers Brokers and consultants
Wri*en no ce for a health claim must be given to the insurer ___ days a,er the occurrence of
the loss. - Correct Answers 20
,In which of the following situa ons 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 par cipa ng in an illegal occupa on
c) The insured was given a no ce of cancella on from the insurer
d) The insured suffered an injury as an innocent bystander during a bank robbery - Correct
Answers 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 - Correct
Answers The policy must be issued regardless of health status
In what form do disability income policies typically pay benefits? - Correct Answers Periodic
income
What is considered to be the primary reason for buying life insurance? - Correct Answers
Provide death benefits
A newborn is required to be covered for ____ days from the moment of birth - Correct
Answers 30
Once an accident and health insurance policy has been in force for ___ year(s), the policy may
NOT be contested by the insurer - Correct Answers 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 limita ons on charges
, - Doctor cannot charge more than Medicare's scheduled coverage
- Doctor bills the Medicare beneficiary directly for services performed - Correct Answers
Doctor cannot charge more than Medicare's scheduled coverage
What is issued to each employee with an employer health plan? - Correct Answers Cer ficate
What is the tax liability for employer contribu ons in Health Savings Accounts (HSA's)? -
Correct Answers No tax payment needed
All of these are considered sources of informa on that can assist an underwriter in determining
whether or not to accept a risk EXCEPT
Agent's report
Medical Informa on Bureau (MIB)
Inspec on reports
Na onal Associa on of Insurance Underwriters - Correct Answers Na onal Associa on of
Insurance Underwriters
In NJ, health insurance adver sements are required to contain the - Correct Answers
insurance company's name
Replacement regula on is designed to protect the interests of - Correct Answers Policyowners
The Commissioner of Insurance is appointed by - Correct Answers The governor
Which type of plan would be most appropriate for an individual on Medicare and is concerned
that Medicare will NOT pay for charges exceeding the approved amount? - Correct Answers
Medicare supplement plan F
Newest RATED A+ 2025/2026
The Commissioner must approve - Correct Answers Con nuing educa on courses
Employer sponsored group health insurance provides coverage for which of the following?
Self-inflicted injuries
cosme c surgery
custodial care
alcoholism - Correct Answers alcoholism
A Medicare supplement policy can be cancelled by the insurer for - Correct Answers
Nonpayment
Which en ty is responsible for regula ng insurance adver sing in NJ? - Correct Answers 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 - Correct Answers Brokers and consultants
Wri*en no ce for a health claim must be given to the insurer ___ days a,er the occurrence of
the loss. - Correct Answers 20
,In which of the following situa ons 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 par cipa ng in an illegal occupa on
c) The insured was given a no ce of cancella on from the insurer
d) The insured suffered an injury as an innocent bystander during a bank robbery - Correct
Answers 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 - Correct
Answers The policy must be issued regardless of health status
In what form do disability income policies typically pay benefits? - Correct Answers Periodic
income
What is considered to be the primary reason for buying life insurance? - Correct Answers
Provide death benefits
A newborn is required to be covered for ____ days from the moment of birth - Correct
Answers 30
Once an accident and health insurance policy has been in force for ___ year(s), the policy may
NOT be contested by the insurer - Correct Answers 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 limita ons on charges
, - Doctor cannot charge more than Medicare's scheduled coverage
- Doctor bills the Medicare beneficiary directly for services performed - Correct Answers
Doctor cannot charge more than Medicare's scheduled coverage
What is issued to each employee with an employer health plan? - Correct Answers Cer ficate
What is the tax liability for employer contribu ons in Health Savings Accounts (HSA's)? -
Correct Answers No tax payment needed
All of these are considered sources of informa on that can assist an underwriter in determining
whether or not to accept a risk EXCEPT
Agent's report
Medical Informa on Bureau (MIB)
Inspec on reports
Na onal Associa on of Insurance Underwriters - Correct Answers Na onal Associa on of
Insurance Underwriters
In NJ, health insurance adver sements are required to contain the - Correct Answers
insurance company's name
Replacement regula on is designed to protect the interests of - Correct Answers Policyowners
The Commissioner of Insurance is appointed by - Correct Answers The governor
Which type of plan would be most appropriate for an individual on Medicare and is concerned
that Medicare will NOT pay for charges exceeding the approved amount? - Correct Answers
Medicare supplement plan F
