시험패스가능한InsNV_Health02최신덤프데모다운최신버전덤프샘플문제다운로드

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Insurance Licensing InsNV_Health02 Exam Syllabus Topics:

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

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InsNV_Health02완벽한 덤프문제 - InsNV_Health02인증덤프 샘플체험

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최신 Nevada Insurance InsNV_Health02 무료샘플문제 (Q49-Q54):

질문 # 49
Group coverage for a handicapped dependent child may be continued if the primary insured submits the required proof to the insurance company within what MAXIMUM period of time after the child reaches the limiting age?

A. 45 days
B. 15 days
C. 30 days
D. 31 days

정답：D

질문 # 50
What is the principal purpose of Medicare supplement insurance?

A. To provide Medicaid eligibility
B. To pay only long-term custodial care
C. To replace Medicare Part A and Part B entirely
D. To help pay certain deductibles, coinsurance, and other gaps in Original Medicare

정답：D

설명：
Medicare supplement insurance, often called Medigap, is designed to help pay certain out-of-pocket costs left by Original Medicare, such as deductibles, coinsurance, copayments, and other covered gaps, depending on the standardized policy type and current rules. It supplements Original Medicare Parts A and B; it does not replace Medicare coverage. The insured must generally remain enrolled in Original Medicare to use a Medicare supplement policy.
Medigap differs from Medicare Advantage. A Medicare Advantage plan is a private plan through which an eligible beneficiary receives Medicare-covered services, usually with plan networks, plan rules, and an annual out-of-pocket maximum. A consumer generally does not use a Medicare supplement policy to supplement a Medicare Advantage plan. Medigap also differs from stand-alone Part D prescription-drug coverage, which is separately arranged for many Original Medicare beneficiaries.
Producers selling Medicare-related products must make accurate comparisons, use required disclosures, and avoid misleading consumers about benefits, provider access, premiums, or enrollment rights. A client's health needs, travel patterns, provider preferences, prescription needs, affordability, and enrollment timing are important factors. No single Medicare arrangement is automatically best for every beneficiary.
References/topics from the Study Guide: Medicare Supplement Insurance; Original Medicare; Medicare Advantage; Medicare Part D; Medicare Cost Sharing.

질문 # 51
An Outline of Coverage for Medicare Supplement policies must be provided to a prospective insured at which of the following times?

A. When the policy is delivered
B. When the premium is paid
C. At the time of application
D. At the time a claim is submitted

정답：C

설명：
A Medicare Supplement insurer must provide an Outline of Coverage to the applicant at the time the application is presented. The outline is a consumer-disclosure document designed to summarize the policy's principal benefits, premiums, limitations, exclusions, and other important features before the applicant makes a final purchasing decision.
The outline is not the insurance contract itself. The policy contains the full contractual rights and obligations, but the outline allows an applicant to compare Medicare Supplement plans in a clear and standardized format.
It helps the consumer understand how the policy works with Original Medicare and whether it duplicates other existing coverage.
If the issued policy differs from the coverage described in the original outline, the insurer must provide a substitute outline describing the policy actually issued when delivering it. That later document does not change the initial requirement: the first outline is provided at application.
The premium-payment date and claim-submission date occur too late to serve the purpose of pre- sale disclosure. The key examination concept is timing: applicants receive the Outline of Coverage before purchasing the Medicare Supplement policy.
Study Guide references/topics: Medicare Supplement insurance; consumer disclosures; Outline of Coverage; NAC 687B.250 .

질문 # 52
Group coverage for a handicapped dependent child may be continued if the primary insured submits the required proof to the insurance company within what MAXIMUM period of time after the child reaches the limiting age?

A. 45 days
B. 15 days
C. 30 days
D. 31 days

정답：D

설명：
A group health policy that terminates dependent-child coverage at a stated limiting age must continue coverage for an eligible dependent child who remains incapable of self-sustaining employment because of a qualifying disability and who remains dependent on the insured group member for support and maintenance.
To preserve that continuation right, the required proof must be furnished within 31 days after the child reaches the policy's limiting age.
This is a time-sensitive protection. The purpose is to prevent automatic termination of coverage solely because a dependent reaches the normal age limit when the child remains disabled and financially dependent.
After initial proof is provided, the insurer may require continuing proof of incapacity and dependency, but it may not demand that proof more often than permitted by law.
The 31-day rule should be distinguished from notice periods for newborn coverage, conversion rights, premium grace periods, and claim notices. Each insurance provision may use a different time period, so examination questions often test the exact statutory deadline.
Study Guide references/topics: group health dependents; limiting age; continuation of coverage; NRS 689B.
035 .

질문 # 53
Which statement is true of a variable life insurance policy?

A. The policyowner bears no investment risk.
B. The cash value may fluctuate with separate-account investment performance.
C. The policy is always a temporary term policy.
D. The cash value is held only in the insurer's general account.

정답：B

설명：
Variable life insurance is permanent life insurance with cash values invested in separate-account investment options. Because the value of those investments can rise or fall, the policyowner bears the investment risk.
The policy's cash value may fluctuate based on market performance, and the death benefit may vary above a guaranteed minimum amount, subject to policy provisions. The insurer does not guarantee the investment performance of the separate account.
Variable life insurance differs from whole life, where the insurer's general account supports guaranteed cash values and fixed premiums. It also differs from universal life, which emphasizes flexible premiums and adjustable death-benefit structures. Variable universal life combines flexible-premium features with separate- account investment options. All such products must be described accurately because the potential for growth is accompanied by potential loss.
Because variable life is a security as well as an insurance product, a producer generally needs appropriate securities registration and authorization in addition to life insurance licensing. Suitability is especially important. The product may be appropriate only for a consumer with a long time horizon, tolerance for market volatility, and a need for permanent life insurance. It should not be sold as a guaranteed investment or as equivalent to a fixed life policy.
References/topics from the Study Guide: Variable Life Insurance; Separate Accounts; General Accounts; Securities Registration; Investment Risk; Suitability.

질문 # 54
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