Free Virginia-Life-Annuities-and-Health-Insurance Exam braindumps download (Virginia-Life-Annuities-and-Health-Insurance exam dumps Free)

QUESTION: 146

An insurance company may include provisions in a non-ACA health insurance policy which deny coverage when:

The insured has not paid the premium before the due date
The insured has failed to have regular physical checkups
Loss results from an automobile accident, unless the insured is a pedestrian
Loss results from intoxication or drugs, unless medically prescribed

Answer(s): D

Explanation:

Virginia permits exclusion for losses caused by intoxication or non-prescribed drugs but prohibits arbitrary exclusions like failure to get checkups or automobile accidents. Exact extract: "Policies may exclude losses resulting from the insured's intoxication or use of narcotics unless prescribed by a physician."

Reference:

Virginia Administrative Code, Accident and Health Policy Provisions.

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QUESTION: 147

The information which gives an insurer necessary personal data regarding an individual and helps determine whether the individual can be insured under an individual health insurance policy is contained in the:

Enrollment form
Policy schedule
Application
Agent's statement

Answer(s): C

Explanation:

The application is the primary underwriting source for personal data and risk assessment. It provides the insured's age, health, occupation, and lifestyle factors. Exact extract: "The application is a written request to the company for a contract and is the source of the insurer's underwriting information."

Reference:

Virginia Life, Annuities, and Health Licensing Study Guide--Applications and Underwriting.

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QUESTION: 148

Which doctor-ordered services can be performed by individuals without medical training?

Rehabilitative care
Therapeutic care
Intermediate care
Custodial care

Answer(s): D

Explanation:

Custodial care is non-medical assistance with daily living activities, requiring no professional medical training. Rehabilitative, therapeutic, and intermediate care require licensed or trained personnel. Exact extract: "Custodial care provides assistance with daily living activities and does not require medical skills."

Reference:

Virginia Long-Term Care Insurance Guidelines--Types of Care.
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QUESTION: 149

A life and health insurance agent licensed in the Commonwealth of Virginia is authorized to:

Approve the payment of a claim
Reinstate an insurance contract after the expiration date
Solicit, receive and forward applications to the insurer
Replace a policy without notifying the insurer

Answer(s): C

Explanation:

Agents act as representatives of insurers to solicit, receive, and forward applications. They cannot approve claims or unilaterally reinstate or replace contracts. Exact extract: "An agent is authorized to solicit, receive, and forward applications to the insurer but has no power to approve claims or reinstate policies."

Reference:

Virginia Code Title 38.2--Licensing and Authority of Agents.
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QUESTION: 150

Which medical care benefits are emphasized in HMO plans?

Alternative medicine
Preventive care
Emergency care
Home health care

Answer(s): B

Explanation:

HMOs emphasize preventive care to control costs and maintain wellness, including immunizations, checkups, and screenings. Exact extract: "Health Maintenance Organizations emphasize preventive health services as a primary means of controlling health costs."

Reference:

Virginia Life, Annuities, and Health Study Guide--HMOs.
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Free Virginia-Life-Annuities-and-Health-Insurance Exam Braindumps Virginia Life, Annuities, and Health Insuranceination Series 1101 Questions 146–150 (page: 31)

QUESTION: 146

Explanation:

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QUESTION: 147

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QUESTION: 148

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QUESTION: 149

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QUESTION: 150

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Free Virginia-Life-Annuities-and-Health-Insurance Exam Braindumps
Virginia Life, Annuities, and Health Insuranceination Series 1101 Questions 146–150 (page: 31)