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NJ HEALTH AND ACCIDENT INSURANCE EXAM ACTUAL EXAM COMPREHENSIVE QUESTIONS WITH DETAILED VERIFIED ANSWERS (100% CORRECT ANSWERS) /ALREADY GRADED A+ S$14.99
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NJ HEALTH AND ACCIDENT INSURANCE EXAM ACTUAL EXAM COMP
HENSIVE QUESTIONS WITH DETAILED VERIFIED ANSWERS (100% CO
RECT ANSWERS) /ALREADY GRADED A+
Study online at https://quizlet.com/_fhbg8r
1. In what form do disability income policies typically Periodic income
pay benefits
2. The Mandatory health policy provision states that the The entire insur-
policy, including endorsements and attached papers, ance contract be-
constitutes tween the parties
3. The entire contract includes the actual policy and the application
4. employer sponsored group health insurance pro- Alcoholism
vides coverage for which of the following
5. The term which describes the fact that both parties of Aleatory
a contract may not receive the same value is referred
to as
6. Tom has a home health care benefit and is confined Full-time nursing
to his home. Which of these is NOT typically covered care
7. A Medicare Supplement policy can be cancelled by Nonpayment
the insurer for
8. Credit Accident and Health plans are designed to help pay off ex-
isting loans during
periods of disabili-
ty
9. A payment system for health care in which the fee-for-service
provider is paid for each service given is called
10. An insurance company ONLY pay a sales commis- individuals li-
sion to censed by the
state
11. Ken is a producer who has obtained Consumer Infor- $5000 and 1 year
mation Reports under false pretenses. Under the Fair imprisonment
Credit Reporting Act, what is the maximum penalty
that may be imposed on Ken?
, NJ HEALTH AND ACCIDENT INSURANCE EXAM ACTUAL EXAM COMP
HENSIVE QUESTIONS WITH DETAILED VERIFIED ANSWERS (100% CO
RECT ANSWERS) /ALREADY GRADED A+
Study online at https://quizlet.com/_fhbg8r
12. A closed network plan offers a primary physician 100% of the billed
copay of $25. If a subscriber chooses a primary care amount
physician outside of the network, the subscriber will
likely pay
13. What is the maximum fine for a producer violating an $5000
NJ insurance law for the first time?
14. A licensed producer is required to file notice to any 30 days
changes of address within how many days
15. Jonas has disability insurance through his employer. Taxes must be
The employer pays 75% of the premium, and Jonas paid on 75% of the
pays the other 25%. What is Jonas's tax liability for benefits received
any benefits paid from the disability plan?
16. After an insured gives notice of loss, what must File written proof
he/she do if the insurer does not furnish forms? of loss
17. Which of the following is an example of the insured's A paid premium
consideration?
18. A(n) _______ insurance company is one that was Foreign
formed under the laws of a state other than NJ
19. Kathy pays a monthly premium on her health insur- 10 days
ance policy. How long is her grace period?
20. Insurance licenses are intended to be issued for the Controlled busi-
purpose of authorizing the transaction of business ness
with members of the general public and not primarily
allowing someone to benefit from commissions on
business that insurers their personal interest. The
description of which of the following?
21. A master contract and certified coverage can be Group
found in which type of policy?
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