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California Department of Insurance CA Life, Accident and Health or Sickness Examination Sample Questions:

1. What factor supports the principle of indemnity?

A) Utmost good faith.
B) Reasonable expectations.
C) Contract of adhesion.
D) Insurable interest.

2. Which policy provision protects the insurer against possible adverse selection?

A) Suicide clause.
B) Reinstatement.
C) Entire contract.
D) Nonforfeiture.

3. Which of the following is NOT an example of cost sharing in a health insurance policy?

A) Copayment
B) Coordination
C) Deductible
D) Coinsurance

4. After the deductible is satisfied, what percentage of a reasonable charge does Medicare Part B pay?

A) 100%
B) 40%
C) 20%
D) 80%

5. As established by PPACA, an adult child may be covered by a parent's health insurance plan until what age?

A) 23 years old
B) 25 years old
C) 19 years old
D) 26 years old

Solutions: