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

1. An emergency medical technician can return to gainful employment as a telephone solicitor and continue to collect disability under which clause of a disability policy?

A) Recovery period.
B) Work indemnity.
C) Own occupation.
D) Partial payment.


2. Vision care insurance usually covers all of the following EXCEPT

A) eye examinations.
B) contact lenses.
C) eye surgery.
D) eyeglass frames.


3. The California Insurance Code requirements regarding the return of life or annuity contracts issued to seniors

A) gives a senior at least 30 days to return specified life and/or annuity contracts for a full refund.
B) defines seniors as someone 55 years of age or older on the date of purchase of the policy.
C) mandates a 30 day free look for all applicants.
D) applies to group policies.


4. Which statement about Medicare is NOT correct?

A) Medicare Part A covers hospital care.
B) Medicare is a federal health insurance program.
C) Medicare Part C covers long-term care.
D) Medicare Part B covers physician services.


5. In the absence of a coordination of benefits clause, all of the following circumstances might result in recovery of more than 100% of actual health care expenses EXCEPT

A) a person working for two employers has insurance through both.
B) a worker's group medical plan includes a carryover deductible provision.
C) an executive has additional coverage through an association policy.
D) spouses are both employed and eligible for group medical benefits.


Solutions:

Question # 1
Answer: C
Question # 2
Answer: C
Question # 3
Answer: A
Question # 4
Answer: C
Question # 5
Answer: B

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