Insurance Licensing NV Accident and Health : InsNV_Health02

Exam Code: InsNV_Health02

Exam Name: NV Accident and Health

Updated: Aug 29, 2026

Q & A: 132 Questions and Answers

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Insurance Licensing InsNV_Health02 Exam Syllabus Topics:

Section	Weight	Objectives
Topic 1: Nevada Statutes and Codes Common to Life, Health, Property, and Casualty Insurance	20%	- Marketing Practices 1. Affordable Care Act 2. Unfair practices Unfair claims methods and practices and settlement of claims Rebating and inducement Twisting Misrepresentation Fraud Unfair discrimination Defamation 3. Fiduciary responsibilities 4. Commissions and payment restrictions 5. Silver State Health Insurance Exchange 6. Required records and record retention - Insurance Commissioner 1. General powers and duties 2. Examinations 3. Notice and hearings and penalties - Nevada Life and Health Insurance Guaranty Association - Definitions 1. Cost-sharing 2. Domestic, foreign, and alien 3. Premiums 4. Authorized and unauthorized 5. Transacting insurance 6. Insurer 7. Certificate of authority - Licensing 1. Name of licensee 2. Persons required to be licensed 3. Obtaining a license 4. Suspension, revocation, and refusal of license 5. Renewal and continuing education 6. Termination of license
Topic 2: Nevada Statutes and Codes Common to Life and Health Insurance Only	4%	- Group life and health insurance 1. Eligible groups 2. Required provisions - Credit life and health insurance - Advertising
Topic 3: Accident & Health – General Knowledge	50%	- Social Insurance 1. Medicaid 2. Social Security benefits 3. Medicare Parts A, B, C, and D - Policy Provisions, Clauses, and Riders 1. Mandatory and optional provisions Entire contract Time limit on certain defenses Grace period Reinstatement Notice of claim Claim forms Proof of loss Time of payment of claims Payment of claims Physical examination and autopsy Legal actions Change of beneficiary Misstatement of age or gender Change of occupation Illegal occupation Relation of earnings to insurance 2. Riders Impairment and exclusions Guaranteed insurability Future increase option 3. Other provisions and clauses Insuring clause Free look Consideration clause Probationary period Elimination period Waiver of premium Exclusions and limitations Preexisting conditions Coinsurance Deductibles Eligible expenses Copayments Pre-authorizations and prior approval requirements Usual, reasonable, and customary charges Lifetime, annual, or per cause maximum benefit limits 4. Rights of renewability Noncancelable Cancelable Guaranteed renewable - Field Underwriting Procedures 1. Sources of insurability and HIPAA privacy information 2. Completing the application 3. Initial premium payment and receipt 4. Explaining policy provisions, riders, exclusions, and ratings 5. Policy delivery 6. Replacement 7. Contract law Elements of a contract Insurable interest Warranties and representations Unique aspects of the insurance contract 8. Submitting application and initial premium to company for underwriting - Types of Policies 1. Medical expense insurance Basic hospital, medical, and surgical policies Major medical policies Health Maintenance Organizations Preferred Provider Organizations Point of Service plans Flexible Spending Accounts High Deductible Health Plans and Health Savings Accounts Health Reimbursement Accounts 2. Group insurance Differences between individual and group contracts General characteristics COBRA 3. Individual and Group Long Term Care Eligibility Levels of care 4. Accidental death and dismemberment 5. Other policies Dental Vision Cancer Critical illness or specified disease Worksite employer-sponsored Hospital indemnity Short-term medical Accident 6. Disability income Individual disability income policy Business overhead expense policy Business disability buyout policy Group disability income policy Key employee policy 7. Medicare supplement policies - Other Insurance Concepts 1. Occupational vs. non-occupational 2. Cost containment 3. Nonduplication and coordination of benefits 4. Tax treatment of premiums and proceeds of insurance contracts 5. Modes of premium payments 6. Workers Compensation 7. Owner's rights 8. Managed care 9. Primary and contingent beneficiaries 10. Dependent children benefits 11. Subrogation 12. Total, partial, recurrent, and residual disability
Topic 4: Nevada Statutes and Codes Pertinent to Health Insurance Only	14%	- Availability of coverage for mental health and treatment of alcohol abuse and drug abuse - Long Term Care - Mandatory policy clauses and provisions 1. Coverage for physical handicap or intellectual disability for dependent children 2. Coverage for preventive healthcare services 3. Coverage for newborn children - Coverage for reconstructive surgery - Medicare 1. Medicare Advantage Plans 2. Prescription Drug Plan 3. Medicare supplement regulation - Hospice care

Insurance Licensing NV Accident and Health Sample Questions:

Question 1

An individual health insurance policy contains a Change of Occupation provision. If the insured experiences a loss in a more hazardous occupation than when the policy was issued, the insurance company may:

A. increase the waiting period to adjust for the occupational difference
B. adjust benefits to the amount the premium provides for the new occupation
C. increase the deductible to adjust for the occupational difference
D. deny any claim on the basis of misrepresentation

Question 2

Which of the following information is included in the Consideration clause in an Accident and Health policy?

A. Duration of the Grace Period
B. Schedule and amount of premium payments
C. Description of the coverage provided
D. Explanation of the Contestable periods

Question 3

If coverage has stayed in force with the same insurance company, what is the maximum number of years for which reconstructive surgery (mastectomy) benefits must be provided?

A. 7
B. 3
C. 1
D. 5

Question 4

Under Nevada law, the definition of " insurer " includes:

A. a financial planner
B. a syndicate
C. a security dealer
D. an indemnitor

Question 5

An applicant unintentionally gives an incorrect answer about a material health condition on a life insurance application. This is best described as:

A. A premium-payment mode
B. A warranty that automatically voids the policy
C. A rider
D. A representation that may be material to underwriting

Solutions:

Question 1
Answer: B

Question 2
Answer: B

Question 3
Answer: B

Question 4
Answer: D

Question 5
Answer: D

Insurance Licensing NV Accident and Health : InsNV_Health02

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