Accident and Health Insurance Exam
Questions/NJ HEALTH AND ACCIDENT
INSURANCE ACTUAL EXAM QUESTIONS
AND 100% CORRECT ANSWERS / NEW
JERSEY HEALTH AND ACCIDENT EXAM 2024
WITH 300+ QUESTIONS AND ANSWERS
H has suffered a covered disability away from her job and will shortly begin
collecting benefits. The insurer sends a letter to H stating that she will not receive
any benefit amounts greater than her income. This clause is known as:
A: Over-insurance clause
B: free look
C: relation of earning to insurance
D: relation of economic value - -ANSWER--C: relation of earning to insurance
The insured should be aware of the issue date upon delivery a policy and the date
should be listed on:
A: the policy summary
B: the first page of the contract
C: the delivery receipt
D: upon conditional receipt - -ANSWER--B: the first page of the contract
,Accident and Health Insurance Exam
Questions/NJ HEALTH AND ACCIDENT
INSURANCE ACTUAL EXAM QUESTIONS
AND 100% CORRECT ANSWERS / NEW
JERSEY HEALTH AND ACCIDENT EXAM 2024
WITH 300+ QUESTIONS AND ANSWERS
The policy has all of the following rights EXCEPT:
A: Right to solely renew a guaranteed renewable policy.
B: Right to terminate a policy
C: Unilateral right to renew an Optionally renewable policy
D: Right to assign a contract - -ANSWER--C: Unilateral right to renew an Optionally
renewable policy
The part of a contract that specifies which expenses may or may not be covered is
known as the:
A: Exclusion
B: Eligible Expense provision
C: Insuring Agreement
D: Consideration Clause - -ANSWER--B: Eligible Expense provision
,Accident and Health Insurance Exam
Questions/NJ HEALTH AND ACCIDENT
INSURANCE ACTUAL EXAM QUESTIONS
AND 100% CORRECT ANSWERS / NEW
JERSEY HEALTH AND ACCIDENT EXAM 2024
WITH 300+ QUESTIONS AND ANSWERS
Which of the following is considered to be a mandatory provision in a health
policy?
A: Time Limit on Certain Defenses
B: Change of Occupation
C: Illegal Occupation
D: Intoxicant/Narcotic Usage - -ANSWER--A: Time Limit on Certain Defenses
Which of the following may be considered an eligible expense found in a health
policy?
A: Cosmetic Surgery
B: Premium payment
C: cold cream
, Accident and Health Insurance Exam
Questions/NJ HEALTH AND ACCIDENT
INSURANCE ACTUAL EXAM QUESTIONS
AND 100% CORRECT ANSWERS / NEW
JERSEY HEALTH AND ACCIDENT EXAM 2024
WITH 300+ QUESTIONS AND ANSWERS
D: Bus fare to receive treatment for a covered loss - -ANSWER--D: Bus fare to
receive treatment for a covered loss
K has a policy that covers doctors visits but limits the number of visits per
calendar year and pays a limited indemnification limit per visit. K has:
A: Basic Medical Expense
B: Physician Nonsurgical Coverage
C: Basic Surgical Policy
D: Basic Hospital Coverage - -ANSWER--B: Physician Nonsurgical Coverage
All of the following are CORRECT about Medicare EXCEPT:
A: An insured who is age 30 but collecting Social Security disability for the last two
years is eligible for Medicare.
Questions/NJ HEALTH AND ACCIDENT
INSURANCE ACTUAL EXAM QUESTIONS
AND 100% CORRECT ANSWERS / NEW
JERSEY HEALTH AND ACCIDENT EXAM 2024
WITH 300+ QUESTIONS AND ANSWERS
H has suffered a covered disability away from her job and will shortly begin
collecting benefits. The insurer sends a letter to H stating that she will not receive
any benefit amounts greater than her income. This clause is known as:
A: Over-insurance clause
B: free look
C: relation of earning to insurance
D: relation of economic value - -ANSWER--C: relation of earning to insurance
The insured should be aware of the issue date upon delivery a policy and the date
should be listed on:
A: the policy summary
B: the first page of the contract
C: the delivery receipt
D: upon conditional receipt - -ANSWER--B: the first page of the contract
,Accident and Health Insurance Exam
Questions/NJ HEALTH AND ACCIDENT
INSURANCE ACTUAL EXAM QUESTIONS
AND 100% CORRECT ANSWERS / NEW
JERSEY HEALTH AND ACCIDENT EXAM 2024
WITH 300+ QUESTIONS AND ANSWERS
The policy has all of the following rights EXCEPT:
A: Right to solely renew a guaranteed renewable policy.
B: Right to terminate a policy
C: Unilateral right to renew an Optionally renewable policy
D: Right to assign a contract - -ANSWER--C: Unilateral right to renew an Optionally
renewable policy
The part of a contract that specifies which expenses may or may not be covered is
known as the:
A: Exclusion
B: Eligible Expense provision
C: Insuring Agreement
D: Consideration Clause - -ANSWER--B: Eligible Expense provision
,Accident and Health Insurance Exam
Questions/NJ HEALTH AND ACCIDENT
INSURANCE ACTUAL EXAM QUESTIONS
AND 100% CORRECT ANSWERS / NEW
JERSEY HEALTH AND ACCIDENT EXAM 2024
WITH 300+ QUESTIONS AND ANSWERS
Which of the following is considered to be a mandatory provision in a health
policy?
A: Time Limit on Certain Defenses
B: Change of Occupation
C: Illegal Occupation
D: Intoxicant/Narcotic Usage - -ANSWER--A: Time Limit on Certain Defenses
Which of the following may be considered an eligible expense found in a health
policy?
A: Cosmetic Surgery
B: Premium payment
C: cold cream
, Accident and Health Insurance Exam
Questions/NJ HEALTH AND ACCIDENT
INSURANCE ACTUAL EXAM QUESTIONS
AND 100% CORRECT ANSWERS / NEW
JERSEY HEALTH AND ACCIDENT EXAM 2024
WITH 300+ QUESTIONS AND ANSWERS
D: Bus fare to receive treatment for a covered loss - -ANSWER--D: Bus fare to
receive treatment for a covered loss
K has a policy that covers doctors visits but limits the number of visits per
calendar year and pays a limited indemnification limit per visit. K has:
A: Basic Medical Expense
B: Physician Nonsurgical Coverage
C: Basic Surgical Policy
D: Basic Hospital Coverage - -ANSWER--B: Physician Nonsurgical Coverage
All of the following are CORRECT about Medicare EXCEPT:
A: An insured who is age 30 but collecting Social Security disability for the last two
years is eligible for Medicare.
