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1. All of the following are basic underwriting actions in accident and health insurance EXCEPT:
A) Issuing policies with exclusion riders
B) Deleting uniform policy provisions
C) Rejecting applicants
D) Issuing standard policies as applied for
2. When determining the premiums for large groups, most insurance companies use:
A) Area rating
B) Occupational rating
C) Pooled rating
D) Experience rating
3. Which of the following is NOT a mandated benefit in Maryland?
A) Treatment of mental illness
B) Treatment of substance abuse
C) Hearing aids for children
D) Weight reduction programs
4. An insured incurs a covered accident and health insurance loss on May 30, which is submitted to the insurer on June 8. If the insured terminated coverage on June 1, the insurer:
A) Can refuse to pay the claim because coverage has been terminated
B) Must pay the claim within one year of termination of coverage
C) Can refuse to pay the claim under the pre-existing conditions exclusion
D) Must pay the claim upon receipt of the proof of loss
5. All advertisements for health insurance shall make clear the identity of the:
A) Insurer
B) Beneficiary
C) Insurance Commissioner
D) Insured
Solutions:
| Question # 1 Answer: B | Question # 2 Answer: D | Question # 3 Answer: D | Question # 4 Answer: D | Question # 5 Answer: A |
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