Florida Health Insurance Exam questions
and answers 2025\2026 A+ Grade
Accident
- correct answer An unplanned, unforeseen event which occurs suddenly and at an unspecified place
Accident Insurance
- correct answer A type of insurance that protects the insured against loss due to accidental bodily injury
Accidental Bodily Injury
- correct answer Unplanned, unforeseen traumatic injury to the body
Accidental Death and Dismemberment
- correct 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
- correct 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
- correct answer Activities individuals must do every day such as moving about, getting dressed, eating,
bathing, etc.
Actual Charge
- correct answer The amount a physician or supplier actually bills for a particular service or supply
Adhesion
- correct 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
- correct answer An insurance company authorized and licensed to transact insurance in a particular
state
Adult Day Care
- correct answer A program for impaired adults that attempts to meet their health, social, and functional
needs in a setting away from their homes
Adverse Selection
- correct answer The tendency of risks with higher probability of loss to purchase and maintain
insurance more often than the risks who present lower probability
Agent
- correct answer An individual who is licensed to sell, negotiate, or effect insurance contracts on behalf
of the insurer
Aleatory
- correct 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
- correct answer An insurance company that is incorporated outside the USA
Apparent Authority
- correct 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
- correct answer The amount Medicare determines to be reasonable for a service that is covered under
Part B of Medicare
Assignment
- correct answer A claim to a provider or medical supplier to receive payments directly from Medicare
and answers 2025\2026 A+ Grade
Accident
- correct answer An unplanned, unforeseen event which occurs suddenly and at an unspecified place
Accident Insurance
- correct answer A type of insurance that protects the insured against loss due to accidental bodily injury
Accidental Bodily Injury
- correct answer Unplanned, unforeseen traumatic injury to the body
Accidental Death and Dismemberment
- correct 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
- correct 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
- correct answer Activities individuals must do every day such as moving about, getting dressed, eating,
bathing, etc.
Actual Charge
- correct answer The amount a physician or supplier actually bills for a particular service or supply
Adhesion
- correct 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
- correct answer An insurance company authorized and licensed to transact insurance in a particular
state
Adult Day Care
- correct answer A program for impaired adults that attempts to meet their health, social, and functional
needs in a setting away from their homes
Adverse Selection
- correct answer The tendency of risks with higher probability of loss to purchase and maintain
insurance more often than the risks who present lower probability
Agent
- correct answer An individual who is licensed to sell, negotiate, or effect insurance contracts on behalf
of the insurer
Aleatory
- correct 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
- correct answer An insurance company that is incorporated outside the USA
Apparent Authority
- correct 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
- correct answer The amount Medicare determines to be reasonable for a service that is covered under
Part B of Medicare
Assignment
- correct answer A claim to a provider or medical supplier to receive payments directly from Medicare
