Health Final Exam - NJ Accident and Health.pdf file:///C:/Users/HP/Desktop/New%20folder%20(4)/Health%20Final
NJ Accident and Health Final Exam Actual
Questions & Verified Answers
1. The Commissioner must approve
Answer Continuing education courses
2. Employer sponsored group health insurance provides coverage for whichof
the following?
Self-inflicted injuries
cosmetic surgery
custodial care
alcoholism
Answer alcoholism
3. A Medicare supplement policy can be cancelled by the insurer for
Answer Nonpay-ment
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4. Which entity is responsible for regulating insurance advertising in NJ?
Answer NewJersey Department of Banking and Insurance
5. Which of the following are retained at the expense of an insurance buyer to
give advice on insurance needed by the buyer?
Brokers and consultants
Insurance prospectors
Third-party adminstrators
Agents
Answer Brokers and consultants
6. Written notice for a health claim must be given to the insurer days after
the occurrence of the loss.
Answer 20
7. In which of the following situations would the insurer be liable for a loss?
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a) The insured skipped a payment beyond the 31 day grace period
b) The insured was injured while participating in an illegal occupation
c) The insured was given a notice of cancellation from the insurer
d) The insured suffered an injury as an innocent bystander during a bank
robbery
Answer d) The insured suffered an injury as an innocent bystander during a bank
robbery
8. When a Medicare supplement policy is purchased during the open enroll-
ment period
Answer The policy must be issued regardless of health status
9. In what form do disability income policies typically pay benefits?
Answer Periodicincome
10. What is considered to be the primary reason for buying life insurance?
Answer -
Provide death benefits
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11. A newborn is required to be covered for days from the moment of
birth
Answer 30
12. Once an accident and health insurance policy has been in force for
year(s), the policy may NOT be contested by the insurer
Answer 2
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