Pearson Vue National Health Insurance
Practice Test -Answered
A Disability Income policy may provide benefits for which of the following losses?
A. Residual Disability
B. Catastrophic medical expenses
C. Long term care
D. Supplemental payments to Medicare - ANSWER-a
A group long-term disability plan is integrated with Social Security when which of the
following statements is CORRECT?
A. Social Security and group benefits pay a combined maximum limit.
B. Full group benefits are paid in addition to Social Security benefits.
C. Full Social Security benefits are paid after group benefits are exhausted.
D. Half of the allowable Social Security benefits are paid after group benefits are
exhausted. - 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:
A. Health Maintenance Organization
B. Medicaid
C. Medicare
D. Multiple Employer Trust (MET) - ANSWER-a
A married insured has an Accidental Death and Dismemberment (AD&D) policy that
names his brother as the primary beneficiary and his son as the contingent beneficiary.
If the insured and his brother are both killed instantly in a train accident, the policy
proceeds would be paid to which of the following?
A. The insured's estate
B. The brother's estate
, C. The insured's son
D. The insured's spouse - ANSWER-c
A precertification review prior to a nonemergency hospitalization is an example of:
A. managed care
B. Medicaid
C. Medicare
D. Disability Income - ANSWER-a
A producer and an applicant complete an application for a health policy and submit it to
the insurer for underwriting without any premium. The underwriter issues a policy and
mails it to the producer for delivery to the applicant. The producer should take all of the
following actions during the delivery of the policy to the applicant EXCEPT:
A. collect the initial premium payment
B. issue a conditional receipt
C. have the applicant complete a statement of continued good health
D. explain the Free Look provision which begins on the policy delivery date - ANSWER-
b
All of the following elements are required of a contract EXCEPT:
A. assignment
B. acceptance
C. legal capacity
D. legal purpose - ANSWER-a
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
Practice Test -Answered
A Disability Income policy may provide benefits for which of the following losses?
A. Residual Disability
B. Catastrophic medical expenses
C. Long term care
D. Supplemental payments to Medicare - ANSWER-a
A group long-term disability plan is integrated with Social Security when which of the
following statements is CORRECT?
A. Social Security and group benefits pay a combined maximum limit.
B. Full group benefits are paid in addition to Social Security benefits.
C. Full Social Security benefits are paid after group benefits are exhausted.
D. Half of the allowable Social Security benefits are paid after group benefits are
exhausted. - 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:
A. Health Maintenance Organization
B. Medicaid
C. Medicare
D. Multiple Employer Trust (MET) - ANSWER-a
A married insured has an Accidental Death and Dismemberment (AD&D) policy that
names his brother as the primary beneficiary and his son as the contingent beneficiary.
If the insured and his brother are both killed instantly in a train accident, the policy
proceeds would be paid to which of the following?
A. The insured's estate
B. The brother's estate
, C. The insured's son
D. The insured's spouse - ANSWER-c
A precertification review prior to a nonemergency hospitalization is an example of:
A. managed care
B. Medicaid
C. Medicare
D. Disability Income - ANSWER-a
A producer and an applicant complete an application for a health policy and submit it to
the insurer for underwriting without any premium. The underwriter issues a policy and
mails it to the producer for delivery to the applicant. The producer should take all of the
following actions during the delivery of the policy to the applicant EXCEPT:
A. collect the initial premium payment
B. issue a conditional receipt
C. have the applicant complete a statement of continued good health
D. explain the Free Look provision which begins on the policy delivery date - ANSWER-
b
All of the following elements are required of a contract EXCEPT:
A. assignment
B. acceptance
C. legal capacity
D. legal purpose - ANSWER-a
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
