Florida Health Insurance Exam
Questions and All Correct Answers
2025-2026 Updated.
Accident - Answer An unplanned, unforeseen event which occurs suddenly and at an
unspecified place
Accident Insurance - Answer A type of insurance that protects the insured against loss due to
accidental bodily injury
Accidental Bodily Injury - Answer Unplanned, unforeseen traumatic injury to the body
Accidental Death and Dismemberment - Answer An insurance policy which pays a specified
amount or a specified multiple of the insured's benefit if the insured dies, loses his/her sight, or
loses two limbs due to an accident
Accidental Death Benefits - Answer A policy rider that states that the cause of death will be
analyzed to determine if it complies with the policy description of accidental death
Activities of Daily Living - Answer Activities individuals must do every day such as moving
about, getting dressed, eating, bathing, etc.
Actual Charge - Answer The amount a physician or supplier actually bills for a particular
service or supply
Adhesion - Answer A contract offered on a "take-it-or-leave-it" basis by an insurer, in which
the insured's only option is to accept or reject the contract. Any ambiguities in the contract will
be settled in favor of the insured
Admitted (Authorized) Insurer - Answer An insurance company authorized and licensed to
transact insurance in a particular state
Adult Day Care - Answer A program for impaired adults that attempts to meet their health,
social, and functional needs in a setting away from their homes
, Agent - Answer An individual who is licensed to sell, negotiate, or effect insurance contracts
on behalf of the insurer
Aleatory - Answer A contract in which participating parties exchange unequal amounts.
Insurance contracts are this in that the amount the insured will pay in premiums is unequal to
the amount the insurer will pay in the event of a loss
Alien Insurer - Answer An insurance company that is incorporated outside the USA
Apparent Authority - Answer The appearance or the assumption of authority based on the
actions, words, or deeds of the principal or because of circumstances the principal created
Approved Amount - Answer The amount Medicare determines to be reasonable for a service
that is covered under Part B of Medicare
Assignment - Answer A claim to a provider or medical supplier to receive payments directly
from Medicare
Attained Age - Answer The age of the insured at a determined date
Attending Physician's Statement (APS) - Answer A statement usually obtained from the
applicant's doctor
Avoidance - Answer A method of dealing with risk (e.g. if a person wanted to avoid the risk
of being killed in an airplane crash, he/she might choose never to fly in a plane)
Basic Hospital Expense Insurance - Answer Coverage that provides benefits for room, board
and miscellaneous hospital expenses for a certain number of days during a hospital stay
Basic Medical Expense Insurance - Answer Coverage for doctor visits, x-rays, lab tests, and
emergency room visits; benefits, however, are limited to specified dollar amounts
Beneficiary - Answer The person who receives the proceeds from the policy when the
insured dies
Questions and All Correct Answers
2025-2026 Updated.
Accident - Answer An unplanned, unforeseen event which occurs suddenly and at an
unspecified place
Accident Insurance - Answer A type of insurance that protects the insured against loss due to
accidental bodily injury
Accidental Bodily Injury - Answer Unplanned, unforeseen traumatic injury to the body
Accidental Death and Dismemberment - Answer An insurance policy which pays a specified
amount or a specified multiple of the insured's benefit if the insured dies, loses his/her sight, or
loses two limbs due to an accident
Accidental Death Benefits - Answer A policy rider that states that the cause of death will be
analyzed to determine if it complies with the policy description of accidental death
Activities of Daily Living - Answer Activities individuals must do every day such as moving
about, getting dressed, eating, bathing, etc.
Actual Charge - Answer The amount a physician or supplier actually bills for a particular
service or supply
Adhesion - Answer A contract offered on a "take-it-or-leave-it" basis by an insurer, in which
the insured's only option is to accept or reject the contract. Any ambiguities in the contract will
be settled in favor of the insured
Admitted (Authorized) Insurer - Answer An insurance company authorized and licensed to
transact insurance in a particular state
Adult Day Care - Answer A program for impaired adults that attempts to meet their health,
social, and functional needs in a setting away from their homes
, Agent - Answer An individual who is licensed to sell, negotiate, or effect insurance contracts
on behalf of the insurer
Aleatory - Answer A contract in which participating parties exchange unequal amounts.
Insurance contracts are this in that the amount the insured will pay in premiums is unequal to
the amount the insurer will pay in the event of a loss
Alien Insurer - Answer An insurance company that is incorporated outside the USA
Apparent Authority - Answer The appearance or the assumption of authority based on the
actions, words, or deeds of the principal or because of circumstances the principal created
Approved Amount - Answer The amount Medicare determines to be reasonable for a service
that is covered under Part B of Medicare
Assignment - Answer A claim to a provider or medical supplier to receive payments directly
from Medicare
Attained Age - Answer The age of the insured at a determined date
Attending Physician's Statement (APS) - Answer A statement usually obtained from the
applicant's doctor
Avoidance - Answer A method of dealing with risk (e.g. if a person wanted to avoid the risk
of being killed in an airplane crash, he/she might choose never to fly in a plane)
Basic Hospital Expense Insurance - Answer Coverage that provides benefits for room, board
and miscellaneous hospital expenses for a certain number of days during a hospital stay
Basic Medical Expense Insurance - Answer Coverage for doctor visits, x-rays, lab tests, and
emergency room visits; benefits, however, are limited to specified dollar amounts
Beneficiary - Answer The person who receives the proceeds from the policy when the
insured dies
