Exam (elaborations)
Exam (elaborations) Health Insurance Comprehensive Health Insurance
This post covers Exam questions on health insurance. The answers are provided for each question.
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Health Insurance Exam KentuckyExam questions with solutions
The insured and her 18-year-old son, who lives in the insured's household, are crossing the
street when both of them are struck by a drunk driver. The Part B - Medical Payments coverage
of the insured's personal auto policy will:
Provide coverage for the son
Provide coverage for the insured and the son
Not provide coverage because they were a pedistrian - Provide coverage for both the insured
and her son
A business covered by a standard Businessowners policy is shut down due to the acts of a civil
authority. Which of the following additional coverages would NOT be subject to a waiting period
before coverage would apply?
Business Income.
Extra Expense.
Extended Business Income.
Business Income from Dependent Properties. - Extra Expense
The Mobile Home endorsement may be attached to which of the following Homeowners forms?
The HO-2 or HO-3 only.
The HO-6 only.
The HO-2 or HO-5 only.
The HO-3 only. - The HO2 & HO3
After property or casualty coverage has been in effect more than 60 days in Kentucky, a notice
of cancellation may not be issued unless it is based on which of the following reasons?
I. A violation of any local fire, health-safety, building, or construction regulation or ordinance
II. Nonpayment of premium
III. Discovery of fraud or material misrepresentation made by or with the named insured's
knowledge in obtaining the policy
IV. Discovery of willful or reckless acts or omissions by the named insured which increase any
hazard insured against - I, II, III and IV.
Which insuring agreement of the Personal Auto policy would provide coverage for the damage
caused to the other driver's car, when the insured was at fault in an accident?
, Part D - Physical Damage
Part B - Medical Payments
Part A - Liability
Part C - Uninsured Motorists - Part A
Mary intentionally trips her neighbor while the neighbor is trespassing on the insured's property.
Although the neighbor is not injured, Mary gives the neighbor $500 in cash to settle any
potential liability claim. How will Mary's insurance company most likely respond in this situation?
The insurer will reimburse Mary for the entire $500.
The insurer will reimburse Mary for $500, less any applicable deductible.
The insurer will sue the neighbor for the return of the $500 because the neighbor was not
injured.
The insurer will deny liability coverage because Mary's action was intentional. - The insurer will
deny liability coverage because Mary's action was intentional
In regards to Workers Compensation insurance, which of the following experience modification
factors would indicate that an insured has sustained a relatively high frequency and severity of
losses in the recent past?
1.25
1.00
.95
.75 - 1.25
The insured is covered by a Commercial General Liability policy with a $600,000 general
aggregate limit, a $600,000 products-completed operations aggregate limit, and a $300,000 per
occurrence limit. The insured has one claim for $350,000 and another for $100,000 arising out
of the premises and operations hazards during the policy period. How much of the general
aggregate limit will remain for future claims within the same policy period?
$200,000.
$50,000.
$600,000.
$400,000. - $200,000
Failing or refusing to hire or discriminating against an individual diagnosed as having CWP
(Coal Workers Pneumoconiosis) is not allowed in Kentucky. An individual damaged by such
action may do which of the following?
Bring a civil cause of action to recover damages sustained as a result of the actions.
Bring a civil cause of action to enjoin the employer from further violations.
Bring suit for damages including costs and attorney fees.
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