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California Department of Insurance CA Life, Accident and Health or Sickness Examination Sample Questions:
1. When must insurance records of insurance agents and brokers be made available to the Insurance Commissioner?
A) At all times.
B) After the policy is issued.
C) Within 30 days of written request by the Commissioner.
D) Annually and submitted with the proper paperwork.
2. During the grace period, when may an insurer terminate medical coverage?
A) Policies cannot be terminated during the grace period.
B) The insured receives care from a physician who is not in the plan's network.
C) The insured requests termination in writing.
D) The insured is hospitalized without giving the insurer prior notification.
3. Policies covered under the California Life and Health Insurance Guarantee Association include all of the following EXCEPT
A) deferred annuities.
B) individual health.
C) self-funded group life.
D) disability income.
4. All of the following statements about Health Maintenance Organizations (HMOs) are true EXCEPT
A) Members receive care from providers in the HMO network.
B) Members pay fixed monthly fees to the HMO.
C) Out-of-pocket expenses are limited as long as the network is utilized.
D) Members pay higher monthly fees when out-of-network providers are utilized.
5. 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) Own occupation.
B) Work indemnity.
C) Partial payment.
D) Recovery period.
Solutions:
| Question # 1 Answer: A | Question # 2 Answer: C | Question # 3 Answer: C | Question # 4 Answer: D | Question # 5 Answer: A |
By Saxon
