Florida Health Insurance Exam

Florida Health Insurance Exam

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Florida Health Insurance Exam

• An unplanned, unforeseen event which occurs suddenly and at an unspecified place

Answer: Accident

• A type of insurance that protects the insured against loss due to accidental bodily injury

Answer: Accident Insurance

• Unplanned, unforeseen traumatic injury to the body

Answer: Accidental Bodily Injury

• An insurance policy which pays a specified amount or a specified multiple of the insured's

benefit if the insured dies, loses his/her sight, or loses two limbs due to an accident

Answer: Accidental Death and Dismemberment

• A policy rider that states that the cause of death will be analyzed to deter- mine if it

complies with the policy description of accidental death

Answer: Accidental Death Benefits

• Activities individuals must do every day such as moving about, getting dressed, eating,

bathing, etc.

Answer: Activities of Daily Living

• The amount a physician or supplier actually bills for a particular service or supply

Answer: Actual Charge

• A contract offered on a "take-it-or-leave-it" basis by an insurer, in which the insured's only

option is to accept or reject the contract. Any ambiguities in the contract will be settled in favor of the insured

Answer: Adhesion

• An insurance company authorized and licensed to transact insurance in a particular state

Answer: Admitted (Authorized) Insurer

• A program for impaired adults that attempts to meet their health, social, and functional

needs in a setting away from their homes

Answer: Adult Day Care

• The tendency of risks with higher probability of loss to purchase and maintain insurance

more often than the risks who present lower probability

Answer: - Adverse Selection

• An individual who is licensed to sell, negotiate, or effect insurance con- tracts on behalf of

the insurer

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