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Insurance Licensing InsNV_Health02 Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Nevada Statutes and Codes Common to Life and Health Insurance Only | 4% | - Credit life and health insurance - Advertising - Group life and health insurance
|
| Accident & Health – General Knowledge | 50% | - Field Underwriting Procedures
|
| Nevada Statutes and Codes Pertinent to Health Insurance Only | 14% | - Mandatory policy clauses and provisions
- Hospice care - Coverage for reconstructive surgery - Long Term Care |
| Nevada Statutes and Codes Common to Life, Health, Property, and Casualty Insurance | 20% | - Marketing Practices
- Insurance Commissioner
|
Insurance Licensing NV Accident and Health Sample Questions:
1. Which of the following statements is correct about the Coordination of Benefits provision?
A) It permits an insurer to defer paying a claim for a work-related injury until Workers ' Compensation Benefits have expired.
B) It prohibits an insurer from selling a health policy to an applicant who already has similar coverage.
C) It prevents an insured covered by two health plans from making a profit on a covered loss.
D) It allows an insured to change insurers without losing benefits.
2. A group health policy that covers hospital expenses MUST also cover:
A) routine physical examinations
B) burial expenses
C) elective cosmetic surgery
D) travel expenses for caretakers
3. Which person is generally eligible to establish and contribute to a health savings account (HSA)?
A) A person enrolled in Medicare Part A
B) A person claimed as another taxpayer's dependent
C) A person enrolled in any health plan with no deductible
D) A person covered by a qualified high-deductible health plan and meeting other eligibility requirements
4. An insured who owns a Disability Income policy forgot to pay the premium due on July 1. If the insured files a disability claim on July 31, the insurance company will MOST likely:
A) deny the claim
B) pay the claim but deduct the unpaid premium
C) reinstate the policy and then pay the claim
D) cancel the policy and return all premiums paid
5. Which statement best describes a preferred provider organization (PPO)?
A) It generally provides greater benefits when members use participating providers but may allow nonnetwork care at a reduced benefit level.
B) It requires all care to be obtained only from government hospitals.
C) It pays only a fixed daily hospital benefit.
D) It has no deductible, coinsurance, or utilization-management features.
Solutions:
| Question # 1 Answer: C | Question # 2 Answer: A | Question # 3 Answer: D | Question # 4 Answer: B | Question # 5 Answer: A |
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