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CLAHS California Life, Accident and Health or Sickness Examination - Set 2 - Part 1

Test your knowledge of technical writing concepts with these practice questions. Each question includes detailed explanations to help you understand the correct answers.

Question 1: Health insurance, also called accident and health or disability insurance, is designed to respond to which two perils?

Question 2: An accident policy provision that requires the cause of a mishap to be unforeseen, unexpected, and unintended before benefits are payable is known as which standard?

Question 3: Between the accidental means standard and the accidental bodily injury standard, which is broader and more favorable to the insured?

Question 4: An insured voluntarily jumps from the last step of a ladder and unexpectedly breaks an ankle. Under which standard is the claim most likely to be denied?

Question 5: Under an accidental death and dismemberment policy, the full benefit paid for accidental death or the loss of two limbs is known as which of the following?

Question 6: An accidental death and dismemberment policy pays a partial benefit, usually half the full amount, for the loss of one hand. This is called which of the following?

Question 7: A rider that pays an extra benefit, often doubling the face amount, when the insured dies as the result of an accident is commonly known by which name?

Question 8: A health policy states that the insurer may end the coverage at any time by giving the insured written notice. This renewability provision is known as which of the following?

Question 9: A policy permits the insurer to decline renewal for any reason it chooses, but only on a premium due date or policy anniversary. This describes which renewability provision?

Question 10: A policy allows the insurer to refuse renewal only if the insured reaches a stated age or leaves a covered occupation, and never because of the insured's health. This is which provision?

Question 11: A disability policy provides that the insurer cannot cancel and must renew to a stated age, but may raise premiums for an entire class of insureds. This describes which provision?

Question 12: Under which renewability provision is the insurer barred from canceling, required to renew to a stated age, and also prohibited from ever raising the premium?

Question 13: A policy cannot be canceled and must be renewed, yet it lets the insurer increase premiums for the whole class of insureds. How should this policy be classified?

Question 14: A limited policy that covers loss resulting only from accidents that occur while the insured is traveling is known as which of the following?

Question 15: A specified or dread disease policy limits its benefits in which of the following ways?

Question 16: Under a hospital income, or hospital confinement indemnity, policy, the flat daily benefit for each day of inpatient confinement is paid to which party?

Question 17: A limited policy that covers only injuries caused by accidents and excludes any loss from sickness or disease is known as which of the following?

Question 18: Under a credit disability policy, when the borrower becomes disabled and cannot work, the policy benefit is paid to which party?

Question 19: A health plan whose customers are called subscribers or participants, who prepay a set amount for whatever covered care they may need, reflects which model?

Question 20: Which of the following is the main difference between a traditional insurer and a health maintenance organization?


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