health and accident exam psi Questions and Answers 2024 update
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health and accident exam psi Questions and Answers 2024 update
health and accident exam psi Questions and Answers 2024 update
H has suffered a covered disability away from her job and will shortly begin collecting benefits. The insurer sends a letter to H stating that she will not receive any ben...
health and accident exam psi questions and answers
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health and accident
exam psi Questions and
Answers 2024 update
H has suffered a covered disability away from her job and will shortly begin collecting benefits. The insurer sends a letter to H stating that she will not receive any benefit amounts greater than her income. This clause is known as:
A: Over-insurance clause B: free look
C: relation of earning to insurance
D: relation of economic value - ANSC: relation of earning to insurance
The insured should be aware of the issue date upon delivery a policy and the date should be listed on:
A: the policy summary
B: the first page of the contract C: the delivery receipt
D: upon conditional receipt - ANSB: the first page of the contract
The policy has all of the following rights EXCEPT:
A: Right to solely renew a guaranteed renewable policy. B: Right to terminate a policy
C: Unilateral right to renew an Optionally renewable policy
D: Right to assign a contract - ANSC: Unilateral right to renew an Optionally renewable policy
The part of a contract that specifies which expenses may or may not be covered is known as the:
A: Exclusion
B: Eligible Expense provision C: Insuring Agreement
D: Consideration Clause - ANSB: Eligible Expense provision
Which of the following is considered to be a mandatory provision in a health policy? A: Time Limit on Certain Defenses
B: Change of Occupation C: Illegal Occupation
D: Intoxicant/Narcotic Usage - ANSA: Time Limit on Certain Defenses
Which of the following may be considered an eligible expense found in a health policy? A: Cosmetic Surgery
B: Premium payment C: cold cream D: Bus fare to receive treatment for a covered loss - ANSD: Bus fare to receive treatment for a covered loss
K has a policy that covers doctors visits but limits the number of visits per calendar year and pays a limited indemnification limit per visit. K has:
A: Basic Medical Expense
B: Physician Nonsurgical Coverage C: Basic Surgical Policy
D: Basic Hospital Coverage - ANSB: Physician Nonsurgical Coverage
All of the following are CORRECT about Medicare EXCEPT:
A: An insured who is age 30 but collecting Social Security disability for the last
two years is eligible for Medicare.
B: An insured who is age 60 and is at the end stage of renal failure is eligible
for Medicare. C: An insured who turns age 65 and is still employed is eligible
for Medicare.
D: An insured who has Medicare Part A is eligible to enroll for Medigap
policies within six months of enrolling in Part A. - ANSD: An insured who has
Medicare Part A is eligible to enroll for Medigap policies within six months of
enrolling in Part A.
Under the Claim Forms provision in an Accident and Health policy, an insurance company must supply an insured with claim forms within a MAXIMUM of how many days after receiving notice of the loss?
A: 10
B: 15
C: 20
D: 30 - ANSB: 15
The purpose of the Fair Credit Reporting Act is to:
A: protect the consumer from having an adverse action against them based of obsolete credit information
B: to ensure that credit information used in underwriting is accurate and updated
C: make sure that any financial institution handles an individual's credit in a correct, proper manner
D: All of the Above - ANSD: All of the Above
Most Accident and Health policies require that claims must be paid upon written proof of loss.
A: 30 days
B: Immediately C: 60 days
D: 90 days - ANSB: Immediately
A LTC policy that will only pay for ADL given occasionally by a licensed professional is: A: Skilled Care
B: Intermediate Care C: Custodial Care D: None of the Above - ANSC: Custodial Care
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