Florida Health Insurance Exam

Florida Health Insurance Exam
1. An unplanned, unforeseen event which occurs suddenly and at an unspecified place
Answer: Accident
2. A type of insurance that protects the insured against loss due to accidentalbodily injury
Answer: Accident Insurance
3. Unplanned, unforeseen traumatic injury to the body
Answer: Accidental Bodily Injury
4. An insurance policy which pays a specified amount or a specified multipleof 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
5. 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: AccidentalDeath Benefits
6. Activities individuals must do every day such as moving about, gettingdressed, eating,
bathing, etc.
Answer: Activities of Daily Living
7. The amount a physician or supplier actually bills for a particular service orsupply
Answer: Actual Charge
8. A contract offered on a "take-it-or-leave-it" basis by an insurer, in which theinsured'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
9. An insurance company authorized and licensed to transact insurance in aparticular state
Answer: Admitted (Authorized) Insurer
10. 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
11. 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
12. An individual who is licensed to sell, negotiate, or effect insurance con-tracts on behalf of
the insurer