Intro to Health Insurance Exam UPDATED
QUESTIONS AND CORRECT ANSWERS
Which of the following types of health insurance covers the cost of providing non-medical
custodial care to individuals with cognitive problems?
A) Disability income insurance
B) Long-term care insurance
C) Hospital expense coverage
D) Medical expense coverage - CORRECT ANSWER B
All of the following are characteristics of a group health insurance plan EXCEPT:
A) only group members may be covered
B) there is one master contract
C) each person has a policy
D) benefits are essentially the same for all group members - CORRECT ANSWER C
All of the following are common exclusions in health insurance policies EXCEPT
A) war or act of war
B) felonious act
C) intentional injury
D) injury in a natural disaster - CORRECT ANSWER D
With a hospital income plan, the flat dollar payment is made directly to the
A) hospital
B) insurer
C) insured
D) doctors - CORRECT ANSWER C
Julia has a policy that excludes any type of sickness or disease and covers only accidents as a
peril. Julia probably has
QUESTIONS AND CORRECT ANSWERS
Which of the following types of health insurance covers the cost of providing non-medical
custodial care to individuals with cognitive problems?
A) Disability income insurance
B) Long-term care insurance
C) Hospital expense coverage
D) Medical expense coverage - CORRECT ANSWER B
All of the following are characteristics of a group health insurance plan EXCEPT:
A) only group members may be covered
B) there is one master contract
C) each person has a policy
D) benefits are essentially the same for all group members - CORRECT ANSWER C
All of the following are common exclusions in health insurance policies EXCEPT
A) war or act of war
B) felonious act
C) intentional injury
D) injury in a natural disaster - CORRECT ANSWER D
With a hospital income plan, the flat dollar payment is made directly to the
A) hospital
B) insurer
C) insured
D) doctors - CORRECT ANSWER C
Julia has a policy that excludes any type of sickness or disease and covers only accidents as a
peril. Julia probably has
