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
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the insurer