New Accident-and-Health-or-Sickness-Producer Test Camp - Accident-and-Health-or-Sickness-Producer Valid Real Test
New Accident-and-Health-or-Sickness-Producer Test Camp - Accident-and-Health-or-Sickness-Producer Valid Real Test
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Maryland Insurance Administration MarylandAccident and Health or Sickness Producer Series 20-24 Exam Sample Questions (Q65-Q70):
NEW QUESTION # 65
The phrase, "this policy pays $1,800 for hospital room and board expenses," should include the:
- A. Minimum daily benefit and the maximum time limit for hospital room and board expenses
- B. Maximum daily benefit and the maximum time limit for hospital room and board expenses
- C. Minimum daily benefit and the minimum time limit for hospital room and board expenses
- D. Maximum daily benefit and the minimum time limit for hospital room and board expenses
Answer: B
Explanation:
Policy statements (Insurance Article, § 15-201) must clarify benefits with the maximum daily benefit (e.g.,
$200/day) and maximum time limit (e.g., 9 days) to define the $1,800 total. Minimums are irrelevant, and a mix of maximum and minimum limits lacks clarity.
References:Maryland Insurance Article, § 15-201; MIA policy disclosure rules.
NEW QUESTION # 66
All of the following are typical health maintenance organization (HMO) preventive care services provided by a primary care physician EXCEPT:
- A. Physical examinations
- B. Experimental surgery
- C. Immunizations for children
- D. Well-baby checkups
Answer: B
Explanation:
HMOs (Health-General Article, § 19-701) provide preventive care like checkups, immunizations, and exams.
Experimental surgery isn't preventive or standard, making it the exception to covered services.
References:Maryland Health-General Article, § 19-701; MIA HMO guidelines.
NEW QUESTION # 67
Which of the following is NOT a mandated benefit in Maryland?
- A. Hearing aids for children
- B. Treatment of substance abuse
- C. Treatment of mental illness
- D. Weight reduction programs
Answer: D
Explanation:
Maryland mandates mental health (§ 15-802), substance abuse (§ 15-803), and hearing aids for children (§ 15-
838), but weight reduction programs are elective and not required (Insurance Article, § 15-801).
References:Maryland Insurance Article, § 15-801, § 15-802, § 15-803, § 15-838; MIA mandated benefits.
NEW QUESTION # 68
If an insurer pays an individual accident and health insurance claim during a policy's grace period:
- A. The deductible is waived
- B. A 10% service fee is charged
- C. The amount of unpaid premium may be subtracted from the reimbursement
- D. The policy is canceled automatically at the end of the grace period
Answer: C
Explanation:
During the grace period (Insurance Article, § 15-209), insurers can deduct unpaid premiums from claims paid, maintaining coverage without waiving deductibles, charging fees, or auto-canceling.
References:Maryland Insurance Article, § 15-209; MIA policy payment rules.
NEW QUESTION # 69
The entire contract provision in an individual accident and health insurance policy states that the producer:
- A. Has company authority to waive any contract provisions
- B. Has company authority to change the policy
- C. Has no authority to change the policy or waive any of its provisions
- D. May waive only certain contract provisions
Answer: C
Explanation:
The entire contract provision (Insurance Article, § 15-207) defines the policy and application as the full agreement, barring producers from altering or waiving terms. Only the insurer has such authority.
References:Maryland Insurance Article, § 15-207; MIA policy standards.
NEW QUESTION # 70
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