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Maryland Insurance Accident-and-Health-or-Sickness-Producer Full Course Free

MarylandAccident and Health or Sickness Producer Series 20-24 Exam Questions and Answers

Question 13

When an accident and health insurer requires a covered individual to undergo a physical examination, who pays the cost of the examination?

Options:

A.

The premium payor

B.

The principal insured individual

C.

The patient or parent of the patient

D.

The insurer

Question 14

Before issuing a policy of long-term care insurance to an applicant who is at least 80 years old, unless the policy is guaranteed issue, the carrier shall obtain a:

Options:

A.

Report of a physical examination

B.

Applicant’s family’s consent

C.

Copy of the person’s living will

D.

Power of attorney

Question 15

Which type of coverage bases benefit eligibility on the capacity to perform activities of daily living?

Options:

A.

Medicare supplement

B.

Major medical expense

C.

Long-term care insurance

D.

Long-term disability

Question 16

An insured incurs a covered accident and health insurance loss on May 30, which is submitted to the insurer on June 8. If the insured terminated coverage on June 1, the insurer:

Options:

A.

Can refuse to pay the claim because coverage has been terminated

B.

Can refuse to pay the claim under the pre-existing conditions exclusion

C.

Must pay the claim upon receipt of the proof of loss

D.

Must pay the claim within one year of termination of coverage