Simulate the real test environment
If you have been very panic sitting in the examination room, our InsNV_Health02 actual exam allows you to pass the exam more calmly and calmly. After you use our products, our study materials will provide you with a real test environment before the InsNV_Health02 exam. After the simulation, you will have a clearer understanding of the exam environment, examination process, and exam outline. Our study materials will really be your friend and give you the help you need most. InsNV_Health02 exam materials understand you and hope to accompany you on an unforgettable journey.
The high quality and high efficiency of InsNV_Health02 study guide make it stand out in the products of the same industry. Our study materials have always been considered for the users. If you choose our products, you will become a better self. InsNV_Health02 actual exam want to contribute to your brilliant future. Our study materials are constantly improving themselves. If you have any good ideas, our study materials are very happy to accept them. InsNV_Health02 exam materials are looking forward to having more partners to join this family. We will progress together and become better ourselves.
If you are still a student, you must have learned from the schoolmaster how difficult it is to go out to work now. If you have already taken part in the work, you must have felt deeply the pressure of competition in society. InsNV_Health02 exam materials can help you stand out in the fierce competition. After using our products, you have a greater chance of passing the certification, which will greatly increase your soft power and better show your strength. InsNV_Health02 study guide can bring you something. After you have used our products, you will certainly have your own experience. Now let's take a look at why a worthy product of your choice is our InsNV_Health02 actual exam.
DOWNLOAD DEMO
Surprise efficiency
If you want to get Insurance Licensing certification, you may need to spend a lot of time and energy. With our study materials, you can save a lot of time and effort. We know that you must have a lot of other things to do, and our products will relieve your concerns in some ways. First of all, InsNV_Health02 exam materials will combine your fragmented time for greater effectiveness, and secondly, you can use the shortest time to pass the exam to get your desired certification. Our study materials allow you to improve your competitiveness in a short period of time. With the help of our InsNV_Health02 study guide, you will be the best star better than others.
Satisfaction quality
What was your original intention of choosing a product? I believe that you must have something you want to get. InsNV_Health02 exam materials allow you to have greater protection on your dreams. This is due to the high passing rate of our study materials. Our study materials selected the most professional team to ensure that the quality of the InsNV_Health02 study guide is absolutely leading in the industry, and it has a perfect service system. The focus and seriousness of our study materials gives it a 99% pass rate. Using our products, you can get everything you want, including your most important pass rate. InsNV_Health02 actual exam is really a good helper on your dream road.
Insurance Licensing InsNV_Health02 Exam Syllabus Topics:
| Section | Weight | Objectives |
| Topic 1: Nevada Statutes and Codes Common to Life and Health Insurance Only | 4% | - Credit life and health insurance
- Group life and health insurance
- 1. Eligible groups
- 2. Required provisions
- Advertising
|
| Topic 2: Accident & Health – General Knowledge | 50% | - Other Insurance Concepts
- 1. Workers Compensation
- 2. Tax treatment of premiums and proceeds of insurance contracts
- 3. Managed care
- 4. Owner's rights
- 5. Primary and contingent beneficiaries
- 6. Modes of premium payments
- 7. Dependent children benefits
- 8. Subrogation
- 9. Occupational vs. non-occupational
- 10. Nonduplication and coordination of benefits
- 11. Cost containment
- 12. Total, partial, recurrent, and residual disability
- Types of Policies
- 1. Individual and Group Long Term Care
- Eligibility
- Levels of care
- 2. Group insurance
- Differences between individual and group contracts
- General characteristics
- COBRA
- 3. Accidental death and dismemberment
- 4. Medicare supplement policies
- 5. Disability income
- Individual disability income policy
- Business overhead expense policy
- Business disability buyout policy
- Group disability income policy
- Key employee policy
- 6. Other policies
- Dental
- Vision
- Cancer
- Critical illness or specified disease
- Worksite employer-sponsored
- Hospital indemnity
- Short-term medical
- Accident
- 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
- 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. Initial premium payment and receipt
- 2. Replacement
- 3. Contract law
- Elements of a contract
- Insurable interest
- Warranties and representations
- Unique aspects of the insurance contract
- 4. Completing the application
- 5. Sources of insurability and HIPAA privacy information
- 6. Policy delivery
- 7. Explaining policy provisions, riders, exclusions, and ratings
- 8. Submitting application and initial premium to company for underwriting
- Social Insurance
- 1. Social Security benefits
- 2. Medicare Parts A, B, C, and D
- 3. Medicaid
|
| Topic 3: Nevada Statutes and Codes Common to Life, Health, Property, and Casualty Insurance | 20% | - Marketing Practices
- 1. Silver State Health Insurance Exchange
- 2. Commissions and payment restrictions
- 3. Fiduciary responsibilities
- 4. Affordable Care Act
- 5. Required records and record retention
- 6. Unfair practices
- Unfair claims methods and practices and settlement of claims
- Rebating and inducement
- Twisting
- Misrepresentation
- Fraud
- Unfair discrimination
- Defamation
- Nevada Life and Health Insurance Guaranty Association
- Definitions
- 1. Insurer
- 2. Transacting insurance
- 3. Domestic, foreign, and alien
- 4. Cost-sharing
- 5. Authorized and unauthorized
- 6. Certificate of authority
- 7. Premiums
- Licensing
- 1. Name of licensee
- 2. Obtaining a license
- 3. Persons required to be licensed
- 4. Termination of license
- 5. Suspension, revocation, and refusal of license
- 6. Renewal and continuing education
- Insurance Commissioner
- 1. Examinations
- 2. Notice and hearings and penalties
- 3. General powers and duties
|
| Topic 4: Nevada Statutes and Codes Pertinent to Health Insurance Only | 14% | - Hospice care
- Coverage for reconstructive surgery
- Long Term Care
- Medicare
- 1. Medicare supplement regulation
- 2. Prescription Drug Plan
- 3. Medicare Advantage Plans
- Availability of coverage for mental health and treatment of alcohol abuse and drug abuse
- Mandatory policy clauses and provisions
- 1. Coverage for preventive healthcare services
- 2. Coverage for physical handicap or intellectual disability for dependent children
- 3. Coverage for newborn children
|
Insurance Licensing NV Accident and Health Sample Questions:
1. Which statement is true of a variable life insurance policy?
A) The cash value may fluctuate with separate-account investment performance.
B) The policy is always a temporary term policy.
C) The policyowner bears no investment risk.
D) The cash value is held only in the insurer's general account.
2. Which of the following situations describes a representation?
A) An insurance company guarantees that premiums paid will be refunded within 30 days after the policy ' s effective date if an insured is dissatisfied with the policy
B) A prospect ' s statement on an application that is held to be absolutely true
C) A prospect ' s statement on an application that is held to be substantially true
D) An insurance company guarantees that policy benefits will be paid promptly on receipt of a Proof of Loss
3. For a group health plan subject to the federal waiting-period rule, the waiting period for otherwise eligible employees generally may not exceed:
A) 30 calendar days
B) 90 calendar days
C) 60 calendar days
D) 180 calendar days
4. Medicaid is best described as:
A) A federal retirement program funded only by payroll taxes
B) A private insurance policy sold by producers
C) A joint federal-state program that provides medical assistance to eligible individuals
D) A Medicare supplement insurance plan
5. Group vision insurance plans typically provide insurance benefits that cover the cost of:
A) cataract removal, frames, lenses
B) laser surgery, eye exams, lenses
C) eye exams, lenses, frames, and contact lenses
D) eye exams, lenses, retinal corrective surgery
Solutions:
Question # 1 Answer: A | Question # 2 Answer: C | Question # 3 Answer: B | Question # 4 Answer: C | Question # 5 Answer: C |