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NJ HEALTH AND ACCIDENT INSURANCE EXAM 2024 ACTUAL EXAM COMPLETE ACCURATE EXAM QUESTIONS WITH DETAILED VERIFIED ANSWERS (100% CORRECT ANSWERS) /ALREADY GRADED A+ $18.99
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NJ HEALTH AND ACCIDENT INSURANCE EXAM 2024 ACTUAL EXAM COMPLETE ACCURATE EXAM QUESTIONS WITH DETAILED VERIFIED ANSWERS (100% CORRECT ANSWERS) /ALREADY GRADED A+

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NJ HEALTH AND ACCIDENT INSURANCE EXAM 2024 ACTUAL EXAM COMPLETE ACCURATE EXAM QUESTIONS WITH DETAILED VERIFIED ANSWERS (100% CORRECT ANSWERS) /ALREADY GRADED A+

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  • November 8, 2024
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  • NJ HEALTH AND ACCIDENT INSURANCE
  • NJ HEALTH AND ACCIDENT INSURANCE

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PURETESTBANKS
NJ HEALTH AND ACCIDENT INSURANCE EXAM
2024 ACTUAL EXAM COMPLETE ACCURATE
EXAM QUESTIONS WITH DETAILED VERIFIED
ANSWERS (100% CORRECT ANSWERS) /ALREADY
GRADED A+




The Commissioner must approve - ANSWER Continuing education courses



Employer sponsored group health insurance provides coverage for which of

the following?



Self-inflicted injuries

cosmetic surgery

custodial care

alcoholism - ANSWER alcoholism



A Medicare supplement policy can be cancelled by the insurer for - ANSWER

Nonpayment



Which entity is responsible for regulating insurance advertising in NJ? -

ANSWER New Jersey Department of Banking and Insurance



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



Written notice for a health claim must be given to the insurer ___ days after the

occurrence of the loss. - ANSWER 20



In which of the following situations would the insurer be liable for a loss?



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



When a Medicare supplement policy is purchased during the open enrollment

period - ANSWER The policy must be issued regardless of health status



In what form do disability income policies typically pay benefits? - ANSWER

Periodic income

,What is considered to be the primary reason for buying life insurance? -

ANSWER Provide death benefits



A newborn is required to be covered for ____ days from the moment of birth -

ANSWER 30



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



A doctor who accepts Medicare assignment agrees to which of the following



- Doctor may charge up to a maximum of 15% more than Medicare pays for the

service

- Doctor is not bound by Medicare's limitations on charges

- Doctor cannot charge more than Medicare's scheduled coverage

- Doctor bills the Medicare beneficiary directly for services performed -

ANSWER Doctor cannot charge more than Medicare's scheduled coverage



What is issued to each employee with an employer health plan? - ANSWER

Certificate



What is the tax liability for employer contributions in Health Savings Accounts

(HSA's)? - ANSWER No tax payment needed

, All of these are considered sources of information that can assist an

underwriter in determining whether or not to accept a risk EXCEPT



Agent's report

Medical Information Bureau (MIB)

Inspection reports

National Association of Insurance Underwriters - ANSWER National

Association of Insurance Underwriters



In NJ, health insurance advertisements are required to contain the - ANSWER

insurance company's name



Replacement regulation is designed to protect the interests of - ANSWER

Policyowners



The Commissioner of Insurance is appointed by - ANSWER The governor



Which type of plan would be most appropriate for an individual on Medicare

and is concerned that Medicare will NOT pay for charges exceeding the

approved amount? - ANSWER Medicare supplement plan F



Which of the following is NOT a common exclusion for a medical expense

policy?



Physical therapy

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