PEARSON VUE NATIONAL HEALTH INSURANCE
PRACTICE TEST 2026 COMPREHENSIVE EXAM
◉ Free look period. Answer: 10 days from policy delivery.30days for
seniors and senior plans(LTC).10 days is calculated from the policy
delivery date.
◉ Consideration cause. Answer: This clause states the amount and
frequency of the premium
◉ Probationary Period. Answer: Exclusionary period before a
preexisting condition is covered. Losses due to an accident are
covered immediately -no waiting.
◉ Elimination period. Answer: Waiting period of a disability policy.
This acts as a time deductible and eliminates claims for losses that
do not last long enough.
◉ Waiver of premium. Answer: Once the qualifications have been
met, the premiums are waived retroactively to the start of the
disability. Premiums are waived until the insured has recovered,
then resumed at the same amount.
, ◉ Exclusions and limitations. Answer: Intentionally self-inflicted
injuries (suicide).
War or any act of war& military service.
Medical expenses payable under Workers' Compensation.
Losses as a result of the commission/attempt of a felony.
◉ Preexisting conditions. Answer: The insurer may have a
probationary period before losses due to a preexisting condition will
be covered.2 years maximum. 6 months maximum for seniors age 65
years and older.
◉ Coinsurance. Answer: Between the insurance company and the
insurer. A percentage split of the entire amount owed(80/20 for
example). Once the deductible is paid, the insured must still pay a
percentage of the remaining bill (20%for example). The insurer pays
the larger percentage (80% for example).
◉ Deductibles. Answer: An initial dollar amount the insured must
pay per year before the benefits apply. Deductibles save the
insurance company money.
◉ Eligible expenses. Answer: Administered or ordered by a
physician.
Medically necessary to diagnose/treat an injury/sickness.
Not excluded by any provision of the policy.
PRACTICE TEST 2026 COMPREHENSIVE EXAM
◉ Free look period. Answer: 10 days from policy delivery.30days for
seniors and senior plans(LTC).10 days is calculated from the policy
delivery date.
◉ Consideration cause. Answer: This clause states the amount and
frequency of the premium
◉ Probationary Period. Answer: Exclusionary period before a
preexisting condition is covered. Losses due to an accident are
covered immediately -no waiting.
◉ Elimination period. Answer: Waiting period of a disability policy.
This acts as a time deductible and eliminates claims for losses that
do not last long enough.
◉ Waiver of premium. Answer: Once the qualifications have been
met, the premiums are waived retroactively to the start of the
disability. Premiums are waived until the insured has recovered,
then resumed at the same amount.
, ◉ Exclusions and limitations. Answer: Intentionally self-inflicted
injuries (suicide).
War or any act of war& military service.
Medical expenses payable under Workers' Compensation.
Losses as a result of the commission/attempt of a felony.
◉ Preexisting conditions. Answer: The insurer may have a
probationary period before losses due to a preexisting condition will
be covered.2 years maximum. 6 months maximum for seniors age 65
years and older.
◉ Coinsurance. Answer: Between the insurance company and the
insurer. A percentage split of the entire amount owed(80/20 for
example). Once the deductible is paid, the insured must still pay a
percentage of the remaining bill (20%for example). The insurer pays
the larger percentage (80% for example).
◉ Deductibles. Answer: An initial dollar amount the insured must
pay per year before the benefits apply. Deductibles save the
insurance company money.
◉ Eligible expenses. Answer: Administered or ordered by a
physician.
Medically necessary to diagnose/treat an injury/sickness.
Not excluded by any provision of the policy.
