National Health Insurance MCQs

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An insurer must provide claim forms to an insured within a MAXIMUM of how many days after receiving notice of an Accident & Health claim?






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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:






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Which of the following statements is CORRECT about a Waiver of Premium provision in a Disability Income policy?






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Suicide, pre-existing conditions and self-inflicted injuries are dealt with in which of the following policy features?






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An insured becomes disabled three years after his Disability Income policy is issued. The disability is caused by a condition that existed prior to th...






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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:






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Which of the following laws requires an insurer to notify an applicant in writing that an investigative consumer report may be made on the applicant?






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Under a Guaranteed Renewable Accident & Health policy, an insurer retains the right to:






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An individual who has had a heart murmur since birth is likely to be issued an individual disability policy that includes:






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Which of the following statements is CORRECT about coinsurance?






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The insurance policy clause that identifies the contracting parties and defines the scope and limits of coverage is called the:






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In an Accidental Death and Dismemberment (AD&D) policy, the term "capital sum" refers to:






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A group long-term disability plan is integrated with Social Security when which of the following statements is CORRECT?






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Medicare Part A covers which of the following expenses?






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J has a physical impairment, attends school, and is incapable of self-sustaining employment and/ or self care. Which of the following statements is CO...






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Medicare Supplement policies are primarily designed to:






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A producer and an applicant complete an application for a health policy and submit it to the insurer for underwriting without any premium. The underwr...






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M and N own a small interior design studio that employs six people. The owners are concerned about the financial continuation of the business if eithe...






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Which of the following definitions of disability would cover a permanent partial disability?






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Group health insurance specifies that what percentage of eligible individuals MUST be offered coverage under a noncontributory plan?






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An Eligible Expenses provision in a comprehensive major medical policy commonly identifies all of the following types of covered health care services ...






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Which of the following provisions explains that a producer does not have the authority to waive the provisions of an insurance contract?






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Under the Claims Forms provision of a health policy, if the insurance company fails to send claim forms within the time period required, the insured s...






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The Coordination of Benefits clause found in group health master contracts is used to:






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A precertification review prior to a nonemergency hospitalization is an example of:






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Five years ago, at age forty-five, X stated that he was forty years old on a disability income insurance application. X now submits a claim and the in...






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When delivering a policy to a client, a producer should take all of the following actions EXCEPT:






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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 con...






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Which of the following definitions MOST accurately describes the Probationary Period?






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The Elimination Period in most Disability Income policies applies:






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The PRIMARY purpose of Medicaid is to:






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In which of the following health policies are both the renewability and the premiums guaranteed?






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An insured whose Disability Income policy contains a Change of Occupation clause takes a new job in a more hazardous occupation and fails to notify th...






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Which of the following reports may include information obtained by a telephone call to the proposed insured?






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The purpose of the Medical Information Bureau (MIB) is to:






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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 ...






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The Consideration clause in an accident and health policy states the:






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All of the following elements are required of a contract EXCEPT:






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Which of the following types of provisions guarantees renewability to a specified date or age unless certain specified events occur?






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On June 1, S purchased a Major Medical policy and paid the initial premium to Producer T. On July 1, Producer T received the policy from the insurance...






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The Social Security program provides all of the following benefits EXCEPT:






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Which of the following statements is CORRECT about a Disability Income policy with a Guaranteed Insurability rider?






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An applicant for insurance submits an application to an insurer for underwriting but does not forward any premium payment with the application. Legall...






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The Internal Revenue Service (IRS) considers Disability Income benefits paid under an employer-paid group Disability Income to be:






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Which of the following provisions designates to whom claim payments are made?






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A Disability Income policy may provide benefits for which of the following losses?






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When periodic claim payments are required under a long-term disability income policy, an insurer MUST make payments to an insured at least once every:






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Under an Accidental Death and Dismemberment (AD&D) policy, insurable interest must exist at which of the following times?






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Health insurance policies are offered on a "take it or leave it" basis and referred to as which of the following types of contracts?






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Which of the following health policies requires a beneficiary designation?