{Accurately} InsNV_Health02 Questions (Reliable Exam Preparation)

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Nevada Insurance Licensing InsNV_Health02 Questions

Question 1

Group vision insurance plans typically provide insurance benefits that cover the cost of:

A. laser surgery, eye exams, lenses

B. cataract removal, frames, lenses

C. eye exams, lenses, frames, and contact lenses

D. eye exams, lenses, retinal corrective surgery

Answer: C

Explanation:

Group vision coverage is an ancillary group health benefit designed primarily for routine vision care and corrective eyewear. Its usual covered services include periodic eye examinations, lenses, frames, and—in plans that provide the option—contact lenses.

The key distinction is between routine vision expenses and medical or surgical eye treatment. Choice C contains the customary routine vision benefits and is therefore correct. Laser refractive surgery is commonly elective and is not a standard core group vision benefit.

Cataract removal and retinal corrective surgery are medical or surgical procedures ordinarily addressed through medical expense coverage, subject to that policy’s provisions, rather than through a routine vision plan.

Vision plans often apply a stated allowance, benefit schedule, copayment, provider-network requirement, or frequency limit to exams, frames, lenses, and contacts. The insured should therefore recognize that the plan does not provide unlimited eye-care coverage; it covers specified routine corrective services under the contract’s provisions.

Question 2

Which of the following statements is CORRECT about a Disability Income policy with a Guaranteed Insurability rider?

A. The insurance company guarantees the premium rate for the life of the policy.

B. The insured must periodically provide proof of insurability to the insurance company.

C. The insured may periodically increase the amount of benefits payable under the policy.

D. The insurance company must exchange the original policy for a new one at the insurability date.

Answer: C

Explanation:

A Guaranteed Insurability rider gives the disability income policyowner the right to purchase additional disability income coverage at stated future option dates without furnishing evidence of insurability.

The rider is valuable because an insured’s income may increase over time while health may decline; the rider allows benefit amounts to be increased when the option is exercised, subject to the rider’s conditions and insurer limits. Therefore, choice C is correct.

The rider does not guarantee a premium rate for life. Premiums for the added coverage are based on the insured’s attained age and the insurer’s rates applicable when the additional coverage is purchased.

It also does not require periodic proof of insurability; eliminating that requirement is the central purpose of the rider. The existing policy remains in force and normally does not have to be exchanged for a new policy.

On an examination, distinguish guaranteed insurability from noncancellable and guaranteed renewable provisions: those provisions concern renewability and premiums, whereas the rider concerns the future purchase of additional benefits.

Study Guide Reference/Topics: Policy Provisions, Clauses, and Riders; Disability Income Insurance; Optional Benefits Riders.

Question 3

An insured who wants to guarantee that an Accident and Health policy will remain in force even in the event of being disabled should purchase which of the following riders?

A. Accidental Death and Dismemberment (AD&D)

B. Double Indemnity

C. Waiver of Premium

D. Guaranteed Insurability

Answer: C

Explanation:

The Waiver of Premium rider is designed to prevent a disability from causing the insured to lose coverage because premiums cannot be paid. When the rider’s qualifying disability conditions are met, the insurer waives future premiums after the applicable waiting period while the disability continues.

The policy therefore remains in force without premium payment during the qualifying period. Choice C is correct because it directly addresses continuation of coverage during disability.

AD&D pays a benefit for accidental death or specified accidental losses; it does not waive premiums. Double indemnity generally increases the death benefit for a qualifying accidental death and likewise does not preserve health coverage during disability.

Guaranteed insurability permits the future purchase of additional coverage without new evidence of insurability, but it does not relieve the policyowner of the duty to pay premiums on existing coverage.

The rider’s exact definition of disability, elimination period, age limitation, and proof-of-disability requirements are controlled by the policy.

Study Guide Reference/Topics: Policy Provisions, Clauses, and Riders; Disability Income Insurance; Waiver of Premium.