1|Page
Pearson Vue National Health Insurance Exam Newest
2025/2026 Complete Questions And Correct Detailed
Answers With Rationales(Verified Answers) |Newest
Exam Version!!!
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
The purpose of the Medical Information Bureau (MIB) is
to:
A. recommend the premium rates for health policies
issued to substandard risks
,2|Page
B. share medical data among member companies
C. provide background data for large group health plans
D. provide actuarial data on dread diseases - Answer-b
An Accident and Health policy Notice of Claim provision
requires that an insured give written notice to the insurer
within a MAXIMUM of how many days after a loss?
A. 15
B. 20
C. 30
D. 45 - Answer-b
The Consideration clause in an accident and health policy
states the:
,3|Page
A. the applicant pays the initial premium
B. conditions under which benefits are paid
C.premiums will be refunded during the free look period
D. certain claims will be excluded under the policy -
Answer-a
All of the following elements are required of a contract
EXCEPT:
A. assignment
B. acceptance
C. legal capacity
D. legal purpose - Answer-a
, 4|Page
Which of the following types of provisions guarantees
renewability to a specified date or age unless certain
specified events occur?
A. Noncancellable
B. Optionally Renewable
C. Guaranteed Renewable
D. Conditionally Renewable - Answer-d
On June 1, S purchased a Major Medical policy and paid
the initial premium to Producer T. On July 1, Producer T
received the policy from the insurance company. The
policy contained a Ten-Day Free Look provision. On July
3, Producer T attempted to deliver the policy but found that
S was not at home. On July 5, Producer T was able to
deliver the policy to S. On July 7, S decided he did not
want the policy. S had 10 days from which of the following
dates to return the policy to the company and obtain a full
premium refund?
Pearson Vue National Health Insurance Exam Newest
2025/2026 Complete Questions And Correct Detailed
Answers With Rationales(Verified Answers) |Newest
Exam Version!!!
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
The purpose of the Medical Information Bureau (MIB) is
to:
A. recommend the premium rates for health policies
issued to substandard risks
,2|Page
B. share medical data among member companies
C. provide background data for large group health plans
D. provide actuarial data on dread diseases - Answer-b
An Accident and Health policy Notice of Claim provision
requires that an insured give written notice to the insurer
within a MAXIMUM of how many days after a loss?
A. 15
B. 20
C. 30
D. 45 - Answer-b
The Consideration clause in an accident and health policy
states the:
,3|Page
A. the applicant pays the initial premium
B. conditions under which benefits are paid
C.premiums will be refunded during the free look period
D. certain claims will be excluded under the policy -
Answer-a
All of the following elements are required of a contract
EXCEPT:
A. assignment
B. acceptance
C. legal capacity
D. legal purpose - Answer-a
, 4|Page
Which of the following types of provisions guarantees
renewability to a specified date or age unless certain
specified events occur?
A. Noncancellable
B. Optionally Renewable
C. Guaranteed Renewable
D. Conditionally Renewable - Answer-d
On June 1, S purchased a Major Medical policy and paid
the initial premium to Producer T. On July 1, Producer T
received the policy from the insurance company. The
policy contained a Ten-Day Free Look provision. On July
3, Producer T attempted to deliver the policy but found that
S was not at home. On July 5, Producer T was able to
deliver the policy to S. On July 7, S decided he did not
want the policy. S had 10 days from which of the following
dates to return the policy to the company and obtain a full
premium refund?
