2026 Insurance Licensing Pass-Sure InsNV_Health02: NV Accident and Health Examcollection Questions Answers

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As the tech industry continues to evolve and adapt to new technologies, professionals who hold the NV Accident and Health (InsNV_Health02) certification are better equipped to navigate these changes and stay ahead of the curve, increasing their value to employers and clients. In today's fast-paced and ever-changing Insurance Licensing sector, having the Insurance Licensing InsNV_Health02 Certification has become a necessary requirement for individuals looking to advance their careers and stay competitive in the job market.

Insurance Licensing InsNV_Health02 Exam Syllabus Topics:

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

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Pass Guaranteed 2026 Insurance Licensing InsNV_Health02: Valid NV Accident and Health Examcollection Questions Answers

Real4test has created reliable and up-to-date InsNV_Health02 Questions that help to pass the exam on the first attempt. The product is easy to use and very simple to understand ensuring it is student-oriented. The NV Accident and Health dumps consist of three easy formats; The 3 formats are Desktop-based practice test software, Web-based practice exam, and PDF.

Insurance Licensing NV Accident and Health Sample Questions (Q102-Q107):

NEW QUESTION # 102
A full-time employee who is suffering from chronic kidney failure and requires dialysis is eligible for medical coverage under which of the following plans?

A. Medicaid
B. Workers ' Compensation
C. Social Security Disability benefits
D. Medicare

Answer: D

Explanation:
The correct answer is B, Medicare. A person with end-stage renal disease-permanent kidney failure requiring regular dialysis or a kidney transplant-may qualify for Medicare regardless of age, provided the applicable work or family eligibility requirements are met. The employee's status as full-time does not prevent Medicare eligibility based on end-stage renal disease. Medicaid is a needs-based program and is not the best answer solely from the fact s given. Workers' compensation would apply only to a qualifying work- related injury or illness. Social Security Disability benefits can provide income support to qualifying disabled persons, but they are not the medical coverage program identified in the question. Medicare coverage for dialysis-related services is subject to eligibility and enrollment rules, and an employer group health plan may coordinate with Medicare during the ESRD coordination period. Medicare confirms that people with permanent kidney failure requiring regular dialysis or a transplant can qualify for coverage before age 65. See Medicare's ESRD eligibility guidance . Study Guide References/Topics: Social Insurance Programs; Medicare; End-Stage Renal Disease.

NEW QUESTION # 103
In a disability income policy, the elimination period is best described as:

A. The period during which the policy cannot be cancelled
B. The period after disability during which benefits are payable
C. The waiting period after disability begins before benefits become payable
D. The maximum period for which premiums are waived

Answer: C

Explanation:
The elimination period is the waiting period that begins when a covered disability starts and ends before disability-income benefits become payable. It functions much like a time deductible. For example, if a policy has a 30-day elimination period, the insured must remain disabled for the required period before weekly or monthly benefits begin, subject to the policy's definition of disability and proof-of-loss requirements.
The elimination period is not the benefit period. The benefit period is the maximum length of time benefits may continue once the insured becomes eligible, such as two years, five years, or to a stated age. It is also not the probationary period, which may apply at the beginning of a policy before coverage for sickness becomes effective. Accident coverage is often effective immediately, while sickness coverage may have a probationary period depending on the contract.
A longer elimination period generally lowers the premium because the insured retains more of the initial loss.
A shorter elimination period generally increases the premium because the insurer begins paying sooner. When comparing disability policies, producers should evaluate the elimination period together with the monthly benefit amount, definition of disability, residual-benefit features, and benefit period.
References/topics from the Study Guide: Disability Income Insurance; Elimination Period; Benefit Period; Probationary Period; Time Deductible.

NEW QUESTION # 104
Which of the following statements is CORRECT about Business Overhead Expense insurance?

A. It can be obtained only by corporations.
B. It reimburses the policyowner for loss of income.
C. It covers eligible expenses for staff only.
D. It covers eligible expenses for staff, rent, and utilities.

Answer: D

Explanation:
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.

NEW QUESTION # 105
Under a typical coordination-of-benefits rule, a child is covered under both parents' group health plans.
Which plan is generally primary when the parents are married and neither plan contains an exception?

A. The plan that began most recently
B. The plan of the parent whose birthday falls earlier in the calendar year
C. The plan selected by the child each year
D. The plan with the highest deductible

Answer: B

Explanation:
Coordination of benefits, or COB, establishes the order in which multiple health plans pay when an insured is covered by more than one plan. For a dependent child covered by both married parents' group health plans, the common "birthday rule" generally makes primary the plan of the parent whose birthday occurs earlier in the calendar year. The rule compares the month and day of birth, not the year. If both birthdays are the same, the plan that has covered the parent longer is generally primary.
The primary plan pays first according to its own policy terms. The secondary plan then considers the remaining eligible expense and may pay an additional amount, subject to its coordination-of-benefits provision. COB is intended to prevent duplicate recovery exceeding the actual covered expense while still allowing the insured to receive the benefit of multiple coverages.
Special rules can apply in divorce, custody, court-order, active-versus-retired employee, Medicare, and other situations. The producer should never assume that one generic rule governs every family arrangement. Plan documents and applicable law control. For examination purposes, the birthday rule is the standard answer when the parents are married and no special circumstance is stated.
References/topics from the Study Guide: Coordination of Benefits; Primary and Secondary Coverage; Birthday Rule; Group Health Insurance; Dependent Coverage.

NEW QUESTION # 106
As a condition to granting a loan, a creditor can:

A. require insurance coverage through a specific insurer
B. require insurance in an amount greater than the debt
C. accept assignment from an existing policy
D. assess a higher interest rate if insurance is not purchased

Answer: C

Explanation:
A creditor may accept an assignment from an existing policy as security for a loan. When consumer credit insurance is required as additional security for debt, Nevada law allows the debtor to furnish the required insurance through existing policies owned or controlled by the debtor, or through any insurer authorized to transact insurance in Nevada.
A creditor may not require the borrower to purchase insurance from a particular insurer. That would improperly limit the borrower's freedom of choice. The creditor also may not require coverage in an amount greater than the debt being secured. Credit insurance is intended to protect the creditor against the unpaid obligation, not to create excess insurance for the creditor's benefit.
Similarly, a creditor may not impose a higher interest rate merely because the borrower declines to purchase credit insurance. Credit insurance must not be represented as a mandatory condition of loan approval when it is optional.
Assignment allows the borrower's existing coverage to be used as collateral or security without forcing the borrower to buy duplicative insurance. The creditor may require proof that the existing insurance is adequate for the risk and debt involved.
Study Guide references/topics: credit insurance; creditor-debtor relationship; assignment; consumer protections; NRS 690A.140 .

NEW QUESTION # 107
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