Ch. 18 Exam Questions (Health) - Health Insurance Underwriting
An attending physician's statement is best described as
A summary of medical history from the physician listed on the application
What is a Pap test design to detect
Cervical cancer
What does a Mandatory Second Surgical Opinion provision provide to an employer-paid health insurance plan?
Containment of the employer's premium cost
In what situation would disability income insurance premiums be a deductible expense?
Corporation paying for group disability income coverage for its employees
When the disclosures of an insured's nonpublic information is involved, what is the insurer obligated to do?
Give notice, explain, and allow opting out
A health insurance underwriter will most likely view alcohol abuse as a(n)
Increased exposure to risk
After a health insurance application has been originated, the producer normally
Is the major personal contact to the insured
Which of the following statements regarding hospital pre-admission authorization is NOT true?
It encourages weekend admission
The initial premium for an accident and health insurance policy is typically paid in what way?
It is typically obtained by the agent and forwarded to the insurer
All of these are duties that a producer may be required to perform when delivering an insurance policy EXCEPT
Leave a conditional receipt with client
Which statement is true regarding hospital preadmission certification for emergency situations?
Notification is required to be given after insured is admitted to the hospital
Julie is an employee with a group health plan that contains the Mandatory Second Surgical Opinion provision. What is to be expected with this provision in place?
Out-of-pocket expenses are lower when a second surgical opinion is obtained as opposed to having only one
Which of these plans allow a participant to choose either a network or non-network provider at the time when medical care is needed?
Point-of-service
Which of the following is NOT a basic underwriting action for accident and health insurance?
Removing uniform policy provisions
When a health insurance policy includes a Mandatory Second Surgical Opinion provision, the insured must
Seek a second opinion for specified elective surgeries
In accident and health insurance, field underwriting is very important because of
The risk of moral hazard
When does the producer give a premium receipt for an accident and health insurance application?
When the initial premium has been collected with the application
