PEARSON VUE NATIONAL HEALTH INSURANCE
PRACTICE TEST
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
Under a group health plan, an employer may offer additional benefits to classes of
employees on the basis of all of the following factors EXCEPT:
A. length of employment
B. gender
C. salary grade
D. job category - Answer -b
Which of the following statements is CORRECT about a Waiver of Premium provision in
a Disability Income policy?
A. It allows the insurer to deduct premiums due from the disabled insured's benefit
payments.
B. It allows the insurer to increase the amount of premium during the insured's time of
disability.
C. It allows the insured to extend the length of the Grace Period while disabled.
D. It allows the insured to maintain a policy in force while disabled and unable to pay
premiums. - Answer -d
Under a Guaranteed Renewable Accident & Health policy, an insurer retains the right
to:
A.increase the premium rate for one insured without increasing the rate for others in the
same class
, A. increase the premium rate for one insured without increasing the rate for others in the
same class
B. increase the premium rate for an entire class of insureds
C. increase the benefits for an individual insured
D. decrease benefits for one insured without decreasing benefits for others in the same
class - Answer -d
Under a Guaranteed Renewable Accident & Health policy, an insurer retains the right
to:
A.increase the premium rate for one insured without increasing the rate for others in the
same class
A. increase the premium rate for one insured without increasing the rate for others in the
same class
B. increase the premium rate for an entire class of insureds
C. increase the benefits for an individual insured
D. decrease benefits for one insured without decreasing benefits for others in the same
class - Answer -b
An individual who has had a heart murmur since birth is likely to be issued an individual
disability policy that includes:
A. Guaranteed Insurability rider
B. an Exclusionary/ Impairment rider
C. Waiver of Premium rider
D. Double Indemnity rider - Answer -b
Which of the following statements is CORRECT about coinsurance?
A.It applies to deductibles as well as to claim payments.
A. It applies to deductibles as well as to claim payments.
B.It helps control overutilization of benefits.
C. It is effective for the first claim payment and waived for future claims.
PRACTICE TEST
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
Under a group health plan, an employer may offer additional benefits to classes of
employees on the basis of all of the following factors EXCEPT:
A. length of employment
B. gender
C. salary grade
D. job category - Answer -b
Which of the following statements is CORRECT about a Waiver of Premium provision in
a Disability Income policy?
A. It allows the insurer to deduct premiums due from the disabled insured's benefit
payments.
B. It allows the insurer to increase the amount of premium during the insured's time of
disability.
C. It allows the insured to extend the length of the Grace Period while disabled.
D. It allows the insured to maintain a policy in force while disabled and unable to pay
premiums. - Answer -d
Under a Guaranteed Renewable Accident & Health policy, an insurer retains the right
to:
A.increase the premium rate for one insured without increasing the rate for others in the
same class
, A. increase the premium rate for one insured without increasing the rate for others in the
same class
B. increase the premium rate for an entire class of insureds
C. increase the benefits for an individual insured
D. decrease benefits for one insured without decreasing benefits for others in the same
class - Answer -d
Under a Guaranteed Renewable Accident & Health policy, an insurer retains the right
to:
A.increase the premium rate for one insured without increasing the rate for others in the
same class
A. increase the premium rate for one insured without increasing the rate for others in the
same class
B. increase the premium rate for an entire class of insureds
C. increase the benefits for an individual insured
D. decrease benefits for one insured without decreasing benefits for others in the same
class - Answer -b
An individual who has had a heart murmur since birth is likely to be issued an individual
disability policy that includes:
A. Guaranteed Insurability rider
B. an Exclusionary/ Impairment rider
C. Waiver of Premium rider
D. Double Indemnity rider - Answer -b
Which of the following statements is CORRECT about coinsurance?
A.It applies to deductibles as well as to claim payments.
A. It applies to deductibles as well as to claim payments.
B.It helps control overutilization of benefits.
C. It is effective for the first claim payment and waived for future claims.
