Insurance Licensing NV Accident and Health : InsNV_Health02 exam

Exam Code: InsNV_Health02
Exam Name: NV Accident and Health
Updated: Aug 11, 2026
Q & A: 132 Questions and Answers

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Insurance Licensing InsNV_Health02 Exam Syllabus Topics:

Section	Weight	Objectives
Nevada Statutes and Codes Common to Life, Health, Property, and Casualty Insurance	20%	- Insurance Commissioner 1. Examinations 2. Notice and hearings and penalties 3. General powers and duties - Definitions 1. Transacting insurance 2. Cost-sharing 3. Authorized and unauthorized 4. Domestic, foreign, and alien 5. Premiums 6. Insurer 7. Certificate of authority - Nevada Life and Health Insurance Guaranty Association - Marketing Practices 1. Commissions and payment restrictions 2. Required records and record retention 3. Affordable Care Act 4. Fiduciary responsibilities 5. Silver State Health Insurance Exchange 6. Unfair practices Unfair claims methods and practices and settlement of claims Rebating and inducement Twisting Misrepresentation Fraud Unfair discrimination Defamation - Licensing 1. Persons required to be licensed 2. Name of licensee 3. Obtaining a license 4. Suspension, revocation, and refusal of license 5. Termination of license 6. Renewal and continuing education
Nevada Statutes and Codes Pertinent to Health Insurance Only	14%	- Coverage for reconstructive surgery - Mandatory policy clauses and provisions 1. Coverage for newborn children 2. Coverage for physical handicap or intellectual disability for dependent children 3. Coverage for preventive healthcare services - Medicare 1. Medicare Advantage Plans 2. Medicare supplement regulation 3. Prescription Drug Plan - Long Term Care - Availability of coverage for mental health and treatment of alcohol abuse and drug abuse - Hospice care
Accident & Health – General Knowledge	50%	- Social Insurance 1. Medicare Parts A, B, C, and D 2. Social Security benefits 3. Medicaid - Policy Provisions, Clauses, and Riders 1. 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 2. Riders Impairment and exclusions Guaranteed insurability Future increase option 3. Rights of renewability Noncancelable Cancelable Guaranteed renewable 4. 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 - Field Underwriting Procedures 1. Policy delivery 2. Sources of insurability and HIPAA privacy information 3. Replacement 4. Submitting application and initial premium to company for underwriting 5. Explaining policy provisions, riders, exclusions, and ratings 6. Initial premium payment and receipt 7. Completing the application 8. Contract law Elements of a contract Insurable interest Warranties and representations Unique aspects of the insurance contract - Other Insurance Concepts 1. Owner's rights 2. Subrogation 3. Managed care 4. Total, partial, recurrent, and residual disability 5. Cost containment 6. Dependent children benefits 7. Tax treatment of premiums and proceeds of insurance contracts 8. Modes of premium payments 9. Occupational vs. non-occupational 10. Workers Compensation 11. Primary and contingent beneficiaries 12. Nonduplication and coordination of benefits - Types of Policies 1. Medicare supplement policies 2. Disability income Individual disability income policy Business overhead expense policy Business disability buyout policy Group disability income policy Key employee policy 3. Individual and Group Long Term Care Eligibility Levels of care 4. Other policies Dental Vision Cancer Critical illness or specified disease Worksite employer-sponsored Hospital indemnity Short-term medical Accident 5. Accidental death and dismemberment 6. Group insurance Differences between individual and group contracts General characteristics COBRA 7. 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
Nevada Statutes and Codes Common to Life and Health Insurance Only	4%	- Advertising - Group life and health insurance 1. Eligible groups 2. Required provisions - Credit life and health insurance

Insurance Licensing NV Accident and Health Sample Questions:

1. Which of the following policies provides a specified income benefit when the insured person becomes unable to work because of illness or accident?

A) Supplemental Income
B) Temporary Income
C) Disability Income
D) Emergency Income

2. A long-term-care policy commonly becomes eligible to pay benefits when the insured is certified as chronically ill because the insured:

A) Cannot perform at least two activities of daily living without substantial assistance
B) Has reached age 65
C) Has missed one premium payment
D) Is unemployed for 30 days

3. Under a group health policy, which of the following coverages MUST be provided for newborn children?

A) Transportation costs from the hospital to the child ' s residence
B) Routine eye examinations
C) Genetic Testing
D) Congenital health defects

4. Group health policies MUST provide which of the following benefits?

A) Cosmetic surgery
B) Hospice care
C) Adult dental care
D) Adult vision care

5. Which of the following persons is NOT required to be licensed by the Nevada Insurance Commissioner?

A) A person who procures insurance for an insured
B) A salaried insurance agency clerk who also receives commissions on applications the clerk processes
C) A salaried insurance company employee who performs clerical and administrative work
D) An adjuster's employee who assists in the investigation and settlement of insurance claims

Solutions:

Question # 1
Answer: C

Question # 2
Answer: A

Question # 3
Answer: D

Question # 4
Answer: B

Question # 5
Answer: C

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