当面の実際のテストを一致させるために、JpexamのInsurance LicensingのInsNV_Health02問題集の技術者はずべての変化によって常に問題と解答をアップデートしています。それに我々はいつもユーザーからのフィードバックを受け付け、アドバイスの一部をフルに活用していますから、完璧なJpexamのInsurance LicensingのInsNV_Health02問題集を取得しました。Jpexamはそれを通じていつまでも最高の品質を持っています。
| Section | Objectives |
|---|---|
| Topic 1: General Insurance Regulation | - Nevada Insurance Department and Regulatory Authority
|
| Topic 2: Insurance Basics | - Insurance Contracts
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| Topic 3: Health Insurance Policy Provisions | - Claims and Benefits
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| Topic 4: Government Health Insurance Programs | - Medicare
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| Topic 5: Producer Duties and Ethics | - Ethical Responsibilities
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| Topic 6: Accident and Health Insurance Fundamentals | - Types of Health Insurance Policies
|
当社JpexamのすべてのInsNV_Health02トレーニングファイルは、この分野の専門家と教授によって設計されています。教材の品質は保証されています。すべての顧客の実際の状況に応じて、すべての顧客に適した学習計画を作成します。当社からInsNV_Health02学習教材を購入する場合、InsNV_Health02試験に簡単に合格するための専門的なトレーニングを受けることをお約束します。専門的なトレーニングにより、InsNV_Health02試験に合格し、関連する認定資格を最短で取得します。
質問 # 50
Which of the following statements is CORRECT about Business Overhead Expense insurance?
正解：C
解説：
Business Overhead Expense insurance reimburses a business for specified ongoing operating expenses when a business owner becomes disabled. Eligible expenses commonly include employee salaries, rent, utilities, office expenses, and other ordinary fixed costs identified in the policy. Accordingly, choice B is correct. The purpose is business continuity: it helps keep the office or practice operating during the owner's disability rather than replacing the owner's personal income. A disability income policy, not Business Overhead Expense insurance, is the product intended to replace an individual's lost earned income. The coverage is not restricted to corporations; it may be appropriate for sole proprietors, partners, and owners of closely held businesses, depending on underwriting and policy eligibility. It also is not limited to staff expenses alone, because rent, utilities, and other contractually covered overhead are central components of the protection.
Benefits are generally limited by the actual covered overhead incurred and the policy's monthly benefit amount. Study Guide References/Topics: Taxation and Business Uses of Health Insurance; Disability Income Insurance; Business Overhead Expense Coverage.
質問 # 51
Nevada insurance laws define a domestic insurance company as one formed under the laws of:
正解：C
解説：
A domestic insurer in Nevada is an insurer formed under the laws of Nevada, unless it has converted to foreign-insurer status. Therefore, "the state of Nevada only" is the correct answer.
The terms domestic, foreign, and alien describe the jurisdiction in which an insurer is formed or domiciled; they do not describe the insurer's size, financial condition, or whether it is authorized to do business in Nevada. A foreign insurer is formed under the laws of another jurisdiction, generally another U.S. state, but may be authorized to transact insurance in Nevada. An alien insurer is formed under the laws of a country other than the United States.
An insurer may be domestic in one state and foreign in every other state. For example, an insurer incorporated under Nevada law is domestic in Nevada but foreign in California, Arizona, or any other state. Conversely, a company formed in another state is foreign in Nevada even if it holds a Nevada certificate of authority.
Study Guide references/topics: domestic insurers; foreign insurers; alien insurers; insurer domicile; NRS
679A.090 .
質問 # 52
Which type of health insurance is designed primarily to reimburse medical expenses such as hospital, surgical, and physician charges?
正解：D
解説：
Medical expense insurance is designed to reimburse or pay covered health-care expenses arising from illness or injury. These expenses may include hospital room and board, surgical services, physician services, diagnostic testing, outpatient treatment, prescription drugs, and other covered medical care. Benefits are subject to the policy's deductible, copayment, coinsurance, network rules, exclusions, benefit limits, and medical-necessity standards.
Disability income insurance serves a different purpose. It replaces a portion of the insured's earned income when the insured becomes disabled under the policy definition. It does not ordinarily reimburse hospital or physician bills. Accidental death insurance pays a benefit upon qualifying accidental death and does not serve as general medical coverage. Credit life insurance is designed to help satisfy a debt when the debtor dies.
An examination question may describe a policy as basic hospital, surgical, physician expense, major medical, comprehensive major medical, or managed care. Each is within the broader medical-expense category, although benefits and delivery systems differ. The producer should help clients understand the distinction between coverage for medical bills and coverage for lost income. A client can need both forms of protection because medical expenses and inability to earn income are separate financial risks.
References/topics from the Study Guide: Medical Expense Insurance; Hospital Expense; Surgical Expense; Major Medical; Disability Income Insurance.
質問 # 53
Which of the following is permitted by a licensee?
正解：B
解説：
A licensee may give a client a nominal gift, such as an ordinary Christmas gift, so long as the gift complies with Nevada's statutory limits and is not used as an unlawful inducement. Nevada permits producers and insurers to provide certain gifts, goods, gift certificates, meals, event tickets, and similar items to a policyholder or prospective policyholder up to an aggregate value of $100 in a calendar year.
Rebating is prohibited. A producer may not reduce the premium by giving back all or part of a commission, nor may the producer return a commission to induce the client to buy, retain, or renew insurance. The prohibition protects consumers and preserves fair competition by requiring premiums and policy benefits to be applied consistently.
Altering an application to obtain a lower premium is also prohibited. Application answers must accurately reflect the applicant's information. Knowingly changing material information can constitute misrepresentation, fraud, and grounds for producer discipline.
The exam distinction is straightforward: a modest, permitted gift is lawful; a rebate, commission return, or falsification of application information is not.
Study Guide references/topics: rebating; inducements; producer ethics; application accuracy; NRS 686A.110 .
質問 # 54
Which of the following situations describes a representation?
正解：A
解説：
A representation is a statement made by an applicant on an insurance application that is believed to be true to the best of the applicant's knowledge and is required to be substantially true. Choice C correctly states that principle. A representation differs from a warranty. A warranty is a statement or promise that must be literally and absolutely true; choice D describes that stricter standard rather than a representation. Application answers help the insurer evaluate risk during underwriting, so material misrepresentations can affect coverage or the insurer's decision to issue the policy. However, not every immaterial or innocent inaccuracy has the same legal effect. The significance of a misstatement depends on its materiality and the applicable policy and insurance-law rules. Choices A and B describe potential policy promises or contract features, not statements made by a prospect in the application. For licensing purposes, remember that insurance applications are generally treated as containing representations, not warranties, unless the policy or law provides otherwise.
Study Guide References/Topics: Completing the Application, Underwriting, and Delivering the Policy; Representations and Warranties; Underwriting.
質問 # 55
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