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Kentucky Health Exam Questions and Answers
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Kentucky Health Exam Questions and Answers
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Kentucky Health ExamThe insurer may increase the premium rate after the policy is in effect provided it does so by classes of
insureds. - Answer-All of the following statements about noncancellable polices are true EXCEPT
A factory worker fractures an elbow while working overtime. - Answer-Which of the following qualifies
as a compensable injury under Workers Compensation coverage?
Information and Privacy Protection Act - Answer-Which of the following represents certain consumer
safeguards enacted by states and patterned after a model act developed by by NAIC?
elective indemnity benefit - Answer-The optional short-term disability income benefit that pays a lump
sum for specified injuries is called the
Health Maintenance Organization - Answer-The type of health care provider that provides both the
health care services and the health care coverage is a
Limited Policies - Answer-Dread disease, travel accident, vision care, and hospital indemnity policies are
all examples of
People with any life-threatening condition - Answer-Which of the following are NOT eligible for
Medicare coverage?
, an authorized company - Answer-A company that is licensed to sell insurance in a particular state is
Pay indemnities equal to benefits that would have been purchased at the premium paid had the insurer
known the facts when the premium was established - Answer-Optional Provisions 1 and 2, addressing
changes of occupation and misstatement of age, permit the insurer to do which of the following?
Coinsurance - Answer-What term describes the concept that the insurer and the insured share in the
cost of medical expenses, with the insurer bearing the greater share?
The Master Policyowner - Answer-With regard to group insurance, who has the responsibility to apply
for coverage, provide information about the group, maintain the policy, and payment premiums?
Trent is the primary beneficiary and Elaine is the contingent beneficiary. - Answer-Trent Bixley is named
by the insured, Nancy Bixley, as the first in line to recieve the death benefit provided by Nancy's
accident policy. Their daughter Elaine is named as second in line to recieve the benefit. Which statment
is correct?
a blanket policy - Answer-The type of health insurance policy most likely used to cover all the students
attending a large university is
Conditional Receipt - Answer-An applicant for insurance may pay the initial premium and receive a
document from the agent indicating that if the policy is issued as a requested, coverage begins on the
date of the document. What is this document called?
Permanent Partial Disability - Answer-Under Works Compensation, a disability that is a permanent
physical impairment leaving the individual incapable of performing the previous regular occupation, but
capable of preforming some other type of work, is a
Waiver of Premium - Answer-A health insurance policy includes an endorsement indicating the insurer
will allow the policy to continue in force without further premiums if the insured is totally and
permanently disabled. What endorsement is attached to this policy?
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