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Health Insurance Exam Questions and Correct Answers Kentucky
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Health Insurance Exam Questions and Correct Answers Kentucky
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Health Insurance KentuckyFair Credit Reporting Act - Answer-Must advise people that reports and or medical reports on them are
being requested
When proof of loss has been furnished, periodic benefit payments must be made not less frequently
than - Answer-monthly
Partial Disability Payments - Answer-Partial disability payments are often made as the result of accident
disability.
Usual partial disability benefit is 50% of the toal disability benefit.
Less hazardous work - Answer-lower premiums
Elimination or Waiting Period - Answer-The period after a disability commences and before you may
begin recieving benefits
Require notice of continuance of claim - Answer-6 months
A&H Policy with Accidental BI - Answer-Phrase is less restrictive than the phrase accidental means
, The age of insured has been mistated, all amounts payable under the policy - Answer-such that the
premium paid would have purchased at the correct age
How many days must you submit the claim in - Answer-90 days
HMO Enrollment - Answer-voluntary
Benefits can be paid to - Answer-a hospital, physician, or surgeon
Application - Answer-Written statement made by the applicant to the insurance company requesting
the issuance of an insurance policy on the basis of the information furnished in the app.
Non Cancelable Policies - Answer-cant increase the premium rate after it is in effect
Recurrent Disability - Answer-Disability, which is due to the same or a related cause of disability
Optional Renewable Policy - Answer-Insured has A&H policy abd declines to renew
Capital Sum - Answer-Benefit paid for Dismemberment
Once a policy has been reinstated, there is normally - Answer-10 day waiting period for sickness
coverage
For misstatement made on an application to affect the validity of the policy, the misstatement must be -
Answer-Intentional only and contain a material fact
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