24時間年中無休のサービスオンラインサポートサービスを提供しており、専門スタッフにリモートアシスタンスを提供しています。また、InsNV_Health02実践教材の請求書が必要な場合は、請求書情報を指定してメールをお送りください。また、購入前にInsNV_Health02トレーニングエンジンの試用版を無料でダウンロードできます。この種のサービスは、当社のInsNV_Health02学習教材に関する自信と実際の強さを示しています。また、当社のウェブサイト購入プロセスにはセキュリティ保証がありますので、InsNV_Health02試験問題をダウンロードしてインストールする必要はありません。
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Nevada Statutes, Rules and Regulations | ~32% | - Nevada Health-Specific Regulations
|
| Topic 2: Accident and Health — General Knowledge | ~68% | - Insurance Concepts and Underwriting
|
>> InsNV_Health02 PDF問題サンプル <<
一部のお客様は時間を無駄にしないホワイトカラーの従業員であり、プロモーションを得るために早急にInsurance Licensing認定を必要としますが、他のお客様はスキルの向上を目指している場合があります。そのため、InsNV_Health02の質問と回答の異なるバージョンを設定することにより、異なる要件を満たすようにします。特別なものは、オンラインのInsNV_Health02エンジンバージョンです。オンラインツールとして、便利で簡単に学習でき、Windows、Mac、Android、iOSなどを含むすべてのWebブラウザとシステムをサポートします。このバージョンのInsNV_Health02試験問題をすべての電子デバイスに適用できます。
質問 # 32
When must insurable interest generally exist in a life insurance transaction?
正解：B
解説：
Insurable interest must generally exist when a life insurance policy is issued. It is the lawful financial or personal interest that prevents life insurance from becoming a wagering arrangement. A person has an unlimited insurable interest in that person's own life and may name any lawful beneficiary. Insurable interest also commonly exists among close family members because of love and affection, and in certain business relationships where one person or entity would suffer a financial loss from another person's death.
Once a policy is validly issued with insurable interest, the interest does not generally need to continue until the insured's death. For example, a business may purchase life insurance on a key employee when a valid economic relationship exists. If the relationship later changes, the policy's continued validity is not automatically destroyed solely because the original financial relationship ended. However, ownership transfers, stranger-originated life insurance arrangements, and transactions designed to evade insurable- interest requirements raise significant legal and ethical concerns.
Insurable interest differs from beneficiary status. A beneficiary need not always have an insurable interest if the policyowner is insuring the policyowner's own life. The critical point is that the policy must be procured lawfully at inception.
References/topics from the Study Guide: Insurable Interest; Policy Ownership; Beneficiary Designations; Business Life Insurance; Contract Law.
質問 # 33
A consumer wishes to purchase an insurance policy that covers pre-existing illnesses. The consumer contacted the producer who informed the consumer:
正解：A
解説：
A consumer's pre-existing condition does not prevent enrollment in a Qualified Health Plan offered through the Exchange. Marketplace plans must cover treatment for pre-existing medical conditions and cannot reject an applicant, charge a higher premium, or refuse to pay Essential Health Benefits solely because of the applicant's health history.
The producer should accurately explain that coverage is subject to the plan's normal terms, provider network, formulary, deductibles, copayments, coinsurance, and out-of-pocket maximum. The prohibition against pre- existing-condition discrimination does not mean the consumer has no out-of-pocket costs. The insured may still have ordinary cost sharing for covered medical services, just as other enrollees do.
Option A is incorrect because Qualified Health Plans do cover pre-existing conditions. Option B is incorrect because a QHP may not impose a surcharge based on health status or medical history. Option C is incorrect because the Affordable Care Act's protection against discrimination does not eliminate all deductibles, copayments, coinsurance, or other permitted cost sharing.
For exam purposes, remember the core rule: health status cannot be used to deny enrollment in a QHP or set a higher premium based solely on a pre-existing condition.
Study Guide references/topics: Affordable Care Act; Qualified Health Plans; guaranteed issue; pre-existing conditions; HealthCare.gov pre-existing-condition coverage .
質問 # 34
The Coinsurance clause in an individual Medical Expense policy refers to the:
正解：D
解説：
Coinsurance is the contractual sharing of covered medical expenses between the insured and the insurer after any applicable deductible has been satisfied. Choice D is correc t. Under a common 80/20 coinsurance arrangement, for example, the insurer pays 80 percent of an eligible expense and the insured pays the remaining 20 percent, up to any out-of-pocket maximum or other plan limitation. Coinsurance reduces premium cost and encourages insureds to consider the cost of care, while preserving significant protection against major expenses. It does not refer to adding family members to a policy, which concerns eligibility or family coverage. It also does not describe insurers sharing risk with each other; that would involve reinsurance or other insurer-to-insurer arrangements. Coinsurance should be distinguished from a deductible, which is a specified dollar amount the insured pays before policy benefits begin. A copayment is instead a fixed dollar amount paid for a covered service. The exact coinsurance percentage, covered-charge definition, network rules, and annual out-of-pocket limit are determined by the policy. Study Guide References/Topics:
Policy Provisions, Clauses, and Riders; Medical Expense Insurance; Deductibles and Coinsurance.
質問 # 35
Basic cancer plans pay for all of the following EXCEPT:
正解：B
解説：
Basic cancer policies are limited-benefit plans intended to supplement, rather than replace, comprehensive medical coverage. They commonly provide benefits for cancer-specific treatment such as chemotherapy, radiotherapy, and immunotherapy, subject to the policy's definitions, schedules, and limits. Therefore, choice C is correct because physical therapy is not ordinarily a core cancer-treatment benefit under a basic cancer policy. Physical therapy may be covered under a comprehensive medical plan or under a more expansive supplemental policy if expressly included, but it is not a standard basic cancer-plan benefit. Cancer policies can pay specified amounts for surgery, hospital confinement, physician services, diagnostic testing, drugs, radiation, chemotherapy, or other treatment tied directly to a covered cancer diagnosis. The insured should not assume that every medical expense arising during cancer treatment is covered. Benefits may be subject to waiting periods, preexisting-condition restrictions, recurrence rules, benefit schedules, and exclusions. The appropriate exam distinction is between benefits directly associated with treatment of cancer and general rehabilitative or medical services that are not expressly included in the cancer policy. Study Guide References
/Topics: Types of Health Insurance Policies; Limited-Coverage Health Policies; Cancer Insurance.
質問 # 36
Under an individual health policy issued in Nevada, a newborn is automatically covered for a MAXIMUM of how many days after birth?
正解：B
解説：
A newborn is automatically covered under the applicable Nevada health-policy rule for 31 days after birth.
Coverage begins from the moment of birth and includes necessary care and treatment for injury or sickness, including medically diagnosed congenital defects and birth abnormalities.
To continue coverage beyond the initial 31-day period, the policy may require timely notice of the birth and payment of any additional premium or fee required by the insurer. The notification and payment requirement must be satisfied within the 31-day period if the policy requires it. This rule protects newborns during the immediate post-birth period, when medical care may be urgently necessary.
The automatic coverage is not limited to routine newborn care. It includes necessary treatment of medical conditions identified at birth, subject to the policy's applicable limits. The law also prevents the policy from excluding premature births under the mandated newborn coverage.
Two, five, and ten days are incorrect because they would not provide the statutory protection required for newborn coverage. The exam point is that the initial automatic period is 31 days, while continuation beyond that period may require prompt enrollment action by the insured.
Study Guide references/topics: individual health insurance; newborn coverage; congenital defects; notification requirements; Nevada newborn-coverage requirements .
質問 # 37
......
PassTestは、効果的な勤勉さを最高の報酬に変えることができる素晴らしい学習プラットフォームです。 Insurance Licensing長年の勤勉な作業により、当社の専門家は頻繁にテストされた知識を参考のためにInsNV_Health02試験資料に集めました。 したがって、私たちの練習教材は彼らの努力の勝利です。 InsNV_Health02試験の資料に頼ることで、以前に想像した以上の成果を確実に得ることができます。 InsNV_Health02練習教材を選択したお客様から収集した明確なデータがあり、NV Accident and Health合格率は98〜100％です。
InsNV_Health02日本語参考: https://www.passtest.jp/Insurance-Licensing/InsNV_Health02-shiken.html