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WEST VIRGINIA HEALTH INSURANCE EXAM WITH CORRECT QUESTIONS WITH CORRECTRY ANALYZED ANSWERS (ACTUAL EXAM) ALREADY GRADED A+ LATEST 2024 – 2025 $12.99
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WEST VIRGINIA HEALTH INSURANCE EXAM
WITH CORRECT QUESTIONS WITH
CORRECTRY ANALYZED ANSWERS (ACTUAL
EXAM) ALREADY GRADED A+ LATEST 2024
– 2025
If an insurer decides to obtain medical information from different sources, in
order to determine the insurability of an applicant, who must be notified of the
investigation? - ANSWERS-applicant
What is the entire contract and health insurance underwriting? - ANSWERS-The
application and the policy issued
If an agent makes a correction on the application for health insurance, who must
initial the correct answer? - ANSWERS-applicant
,When should an agent obtain a statement of good health from the insured? -
ANSWERS-When the premium was paid upon policy delivery and not at the time
of application
What information are the members of the medical information bureau required
to report? - ANSWERS-Adverse medical information about the applicants or
insured
Who must sign a health insurance application? - ANSWERS-The policyowner, the
insured (if different), and the agent
In health insurance, the policy itself, and the insurance application form what? -
ANSWERS-Entire Contract
Whose responsibility is it to inform an applicant for health insurance about the
insurer's information gathering practices? - ANSWERS-Agent
What entities make up the medical information bureau? - ANSWERS-Insurers
What is the term used for a written request for an insurer to issue an insurance
contract based on the provided information? - ANSWERS-application
Who is responsible for paying the cost of a medical examination required in the
process of underwriting? - ANSWERS-insurer
, If an underwriter requires extensive information about the applicant's medical
history, what report will best serve this purpose? - ANSWERS-Attending
physician's statement
What is the best way to make a change on an application for insurance? -
ANSWERS-Start over with a fresh application
In health insurance, what is considered a sickness? - ANSWERS-An illness that first
arises while the policy is in force
What type of hospital policy pays a fixed amount each day that the insured is in
the hospital? - ANSWERS-Hospital indemnity
With key person, disability insurance, who pays the policy premiums? - ANSWERS-
The business (employer)
What is the purpose of respite care in long-term care insurance? - ANSWERS-To
provide relief for a major caregiver (usually a family member)
How are HMO territories typically divided? - ANSWERS-geographic areas
Why do HMOs encourage members to get regular check ups? - ANSWERS-To help
catch health problems early when treatment has the greatest chance for success
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