Pearson Vue National Health Insurance
Practice Test 2025/2026 Exam Questions
and Answers | 100% Solved
An insurer must provide claim forms to an insured within a MAXIMUM of
how many days after receiving notice of an Accident & Health claim?
A. Five
B. Fifteen
C. Twenty
D. Thirty - 🧠 ANSWER ✔✔b
,Under a group health plan, an employer may offer additional benefits to
classes of employees on the basis of all of the following factors EXCEPT:
A. length of employment
B. gender
C. salary grade
D. job category - 🧠 ANSWER ✔✔b
Which of the following statements is CORRECT about a Waiver of
Premium provision in a Disability Income policy?
A. It allows the insurer to deduct premiums due from the disabled insured's
benefit payments.
,B. It allows the insurer to increase the amount of premium during the
insured's time of disability.
C. It allows the insured to extend the length of the Grace Period while
disabled.
D. It allows the insured to maintain a policy in force while disabled and
unable to pay premiums. - 🧠 ANSWER ✔✔d
Suicide, pre-existing conditions and self-inflicted injuries are dealt with in
which of the following policy features?
A. Extensions of coverage
B. Benefits clause
C. Riders
COPYRIGHT©PROFFKERRYMARTIN 2025/2026. YEAR PUBLISHED 2025. COMPANY REGISTRATION NUMBER: 619652435. TERMS OF USE.
PRIVACY STATEMENT. ALL RIGHTS RESERVED
, D. Exclusions - 🧠 ANSWER ✔✔d
An insured becomes disabled three years after his Disability Income policy
is issued. The disability is caused by a condition that existed prior to the
policy issue date but was not specifically excluded from coverage. In this
situation, the insurer will most likely take which of the following actions?
A. Pay the full claim
B. Pay the claim for a maximum of six months only
C. Deny the claim on the basis of misrepresentation
D. Deny the claim because it involves a pre-existing condition - 🧠 ANSWER
✔✔a
A health care plan that reimburses a flat fee for medical care it provides at
a clinic it owns and operates is referred to as:
Practice Test 2025/2026 Exam Questions
and Answers | 100% Solved
An insurer must provide claim forms to an insured within a MAXIMUM of
how many days after receiving notice of an Accident & Health claim?
A. Five
B. Fifteen
C. Twenty
D. Thirty - 🧠 ANSWER ✔✔b
,Under a group health plan, an employer may offer additional benefits to
classes of employees on the basis of all of the following factors EXCEPT:
A. length of employment
B. gender
C. salary grade
D. job category - 🧠 ANSWER ✔✔b
Which of the following statements is CORRECT about a Waiver of
Premium provision in a Disability Income policy?
A. It allows the insurer to deduct premiums due from the disabled insured's
benefit payments.
,B. It allows the insurer to increase the amount of premium during the
insured's time of disability.
C. It allows the insured to extend the length of the Grace Period while
disabled.
D. It allows the insured to maintain a policy in force while disabled and
unable to pay premiums. - 🧠 ANSWER ✔✔d
Suicide, pre-existing conditions and self-inflicted injuries are dealt with in
which of the following policy features?
A. Extensions of coverage
B. Benefits clause
C. Riders
COPYRIGHT©PROFFKERRYMARTIN 2025/2026. YEAR PUBLISHED 2025. COMPANY REGISTRATION NUMBER: 619652435. TERMS OF USE.
PRIVACY STATEMENT. ALL RIGHTS RESERVED
, D. Exclusions - 🧠 ANSWER ✔✔d
An insured becomes disabled three years after his Disability Income policy
is issued. The disability is caused by a condition that existed prior to the
policy issue date but was not specifically excluded from coverage. In this
situation, the insurer will most likely take which of the following actions?
A. Pay the full claim
B. Pay the claim for a maximum of six months only
C. Deny the claim on the basis of misrepresentation
D. Deny the claim because it involves a pre-existing condition - 🧠 ANSWER
✔✔a
A health care plan that reimburses a flat fee for medical care it provides at
a clinic it owns and operates is referred to as:
