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NYS LIFE, ACCIDENT, AND
HEALTH INSURANCE EXA M
QUESTIONS AND ANSWER S
LATEST UPDATES ( A+ GRADED
100% VERIFIED).
Question : Under what circumstance does an accident and
health insurer have the right to request an autopsy?
When the claim exceeds an amount specified in the policy
When 2 days have passed after death
When not prohibited by state law
When consent is given by the beneficiary
CORRECT ANSWER : 3. When not prohibited by state
law
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Question : Which of the following accurately describes
the "time limit on certain defenses"?
After a stated period of time, claims cannot be denied due to material misrepresentation on the application
All claims can be disputed after two years
An insured cannot file a lawsuit within 90 days of the claim being filed
The right to return an accident and health policy must be within 10 days of policy delivery
CORRECT ANSWER : 1. After a stated period of time,
claims cannot be denied due to material misrepresentation on the application
Question : Patrick purchased a long-term care policy. He
has a health condition for which medical treatment was
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recommended by a physician within 6 months prior to the policy's effective date. This condition is called a(n)
antecedent condition
pre-existing condition
hazardous condition
grandfathered condition
CORRECT ANSWER : 2. pre-existing condition
Question : Which of the following describes coverage for
the Medicare Part B coinsurance?
Only a Long-term care policy will cover Medicare Part B coinsurance
A Medicare Supplement optional benefit
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A Medicare Supplement core benefit
Medicare Part B does not require a coinsurance so no additional coverage is needed
CORRECT ANSWER : 3. A Medicare Supplement core
benefit
Question : Larry has a Major Medical Expense policy for
his family with a $1,000 per family/per year deductible and an 80/20 coinsurance provision. If Larry's family files four claims of $400, $800, $100, and $700 in one year, how much will the insurance company pay?
$500
$800
