Basic Health Questions and answers. 2022/2023 Exam predictor Questions, 100% Accurate Answers

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Basic Health Questions and answers. 2022/2023 Exam predictor Questions, 100% Accurate Answers What document describes an insured's medical history, including diagnoses and treatments? - ✔✔Atte... nding Physician's Statement When is the insurability conditional receipt given? - ✔✔When the premium is paid at the time of application What statement best describes the free look provision? - ✔✔It allows the insured to return the policy within 10 days for a full refund or premiums if dissatisfied for any reason In an optionally renewable policy, the insurer has which of the following options? - ✔✔Increase premiums When Ken purchased his health policy he was a window washer. He has since changed occupations and now manages a library. Upon notifying the insurer of his change of occupation the insurer should - ✔✔Consider decreasing the premiums All of the following are correct about the required provisions of health insurance policy EXCEPT A) Proof-of-loss forms must be sent to the insured within 15 days of notice of claim B) A grace period of 31 days is found in an annual pay policy C) The entire contract clause means the signed application, policy endorsements, and attachments constitute the entire contractD) A reinstated policy provides immediate coverage for an illness - ✔✔A reinstated policy provides immediate coverage for an illness Which health insurance provision describes the insureds right to cancel coverage - ✔✔Renewal Provision Under the Physical Exam and Autopsy provision, how many times can an insurer have the insured examined, at its own expense, while a claim is pending? - ✔✔Unlimited Which of the following is not true regarding uniform mandatory provisions concerning claims? A. If the insured is several days late in filing proof of loss form, the claim cannot be denied if the insured can show good cause B. The insured is customarily required to give notice of claim within 20 days C. If the insured is 2 years late in filing proof of loss, the claim can be denied D. An insured must notify the insurer of a claim on forms prescribed by the insurer - ✔✔D. An insured must notify the insurer of a claim on forms prescribed by the insurer Rose bought three policies from the same insurer. Her benefits have exceeded the max allowed by the insurer. Which of the following will happen? - ✔✔Pro rata benefit reduction The free-look provision allows for which of the following? - ✔✔A right to return the policy for a full premium refund While a claim is pending the insurance company may require - ✔✔An independent examination as often as reasonably requiredWhich renewal option does NOT guarantee renewal and allows the insurance company to refuse renewal of a policy at any premium due date? - ✔✔Optionally renewable A man is injured while robbing a convenience store. How does his major medical policy handle the payment of his claim? - ✔✔Claim is denied if his policy contains the Illegal Occupation provision An insurer would like to add a provision to its individual health insurance policies. This particular provision would be consistent with uniform provisions. Which of the following is true? - ✔✔The provision would be allowed, as long as it is approved by the state Under a disability income policy, the insurer pays a monthly benefit that is less than the insured's income. What is the reason for that? - ✔✔Prevent over utilization and malingering. [Show More]

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