IT인증시험은 국제적으로 인정받는 자격증을 취득하는 과정이라 난이도가 아주 높습니다. Insurance Licensing인증 InsNV_Health02시험은 IT인증자격증을 취득하는 시험과목입니다.어떻게 하면 난이도가 높아 도전할 자신이 없는 자격증을 한방에 취득할수 있을가요? 그 답은PassTIP에서 찾을볼수 있습니다. PassTIP에서는 모든 IT인증시험에 대비한 고품질 시험공부가이드를 제공해드립니다. PassTIP에서 연구제작한 Insurance Licensing인증 InsNV_Health02덤프로Insurance Licensing인증 InsNV_Health02시험을 준비해보세요. 시험패스가 한결 편해집니다.
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Accident and Health — General Knowledge | ~68% | - Policy Provisions, Clauses & Riders
|
| Topic 2: Nevada Statutes, Rules and Regulations | ~32% | - General State Insurance Regulations
|
>> Insurance Licensing InsNV_Health02시험패스 인증공부자료 <<
Insurance Licensing인증 InsNV_Health02시험을 패스하여 자격증을 취득하는게 꿈이라구요? PassTIP에서 고객님의Insurance Licensing인증 InsNV_Health02시험패스꿈을 이루어지게 지켜드립니다. PassTIP의 Insurance Licensing인증 InsNV_Health02덤프는 가장 최신시험에 대비하여 만들어진 공부자료로서 시험패스는 한방에 끝내줍니다.
질문 # 98
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?
정답：B
설명：
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.
질문 # 99
R, a self-employed stockbroker, becomes totally disabled on January 1 and receives $1,500 a month for the next twelve months from her own Individual Disability Income policy, for which she had paid the premium.
How much of this income is subject to federal income tax?
정답：B
설명：
The correct answer is D, $0. Disability income benefits generally are not taxable to the insured when the insured personally paid the premiums with after-tax dollars. R paid the premium for her own individual disability income policy, so the $1,500 monthly benefit is excluded from federal taxable income. The total annual benefit is $18,000, but the fact that it totals $18,000 does not make it taxable. Tax treatment changes when an employer pays the premium and does not include that premium amount in the employee's taxable income; in that case, disability benefits are generally taxable. Similarly, benefits can be taxable when premiums were paid through certain pre-tax arrangements. The central exam rule is: personally paid, after-tax disability premiums normally produce income-tax-free disability benefits. The Internal Revenue Service confirms that benefits from an accident or health policy are not taxable when the taxpayer paid the premiums.
See IRS Publication 525 . Study Guide References/Topics: Taxation and Business Uses of Health Insurance; Disability Income Insurance; Tax Treatment of Disability Benefits.
질문 # 100
Basic cancer plans pay for all of the following EXCEPT:
정답：C
설명：
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.
질문 # 101
A client needs a $250,000 death benefit for exactly 20 years to protect a home mortgage. The client wants the lowest practical initial premium and does not need cash-value accumulation. Which policy is most appropriate?
정답：C
설명：
Level term life insurance is the appropriate recommendation because it provides a stated death benefit for a stated period, such as 20 years. It is designed for temporary protection where the financial need has a known end date-for example, the remaining duration of a mortgage, a child's dependency period, or a short-to- medium-term income-replacement need. The premium is generally level for the selected term period, while the death benefit remains level if the policy stays in force.
Whole life insurance provides permanent protection and cash-value accumulation, but its premium is ordinarily higher because the insurer expects coverage to continue for the insured's lifetime. Universal life offers flexible premiums and adjustable death-benefit structures, but it is not the simplest match when the client's purpose is fixed, time-limited mortgage protection. Variable life has investment risk because policy values depend on separate-account performance and is not selected merely to obtain low-cost temporary coverage.
The producer should confirm that the term period aligns with the mortgage obligation and explain that coverage normally ends at the term's expiration unless the policy is renewed, converted, or otherwise continued under its provisions.
References/topics from the Study Guide: Types of Life Insurance; Term Life Insurance; Needs Analysis; Mortgage Protection.
질문 # 102
Which feature most clearly distinguishes a health maintenance organization (HMO) from a traditional indemnity health insurance plan?
정답：B
설명：
An HMO is a managed-care arrangement that commonly delivers and finances health-care services through a defined network of providers. Covered persons typically select or are assigned a primary care provider who coordinates routine care and, depending on the plan design, provides referrals for specialist services. Services received outside the network may be limited or not covered except for emergencies or specifically authorized care.
Traditional indemnity insurance operates differently. It generally reimburses covered medical expenses subject to policy limits, deductibles, coinsurance, and usual-and-customary or other payment standards. The insured may have broader provider choice, but that flexibility is often paired with less managed coordination and potentially greater out-of-pocket exposure. A preferred provider organization, or PPO, also uses a network but typically allows nonnetwork care at reduced benefit levels rather than requiring the same referral structure associated with many HMOs.
The exam distinction is based on delivery of care and network control, not merely on whether a policy has a deductible. Managed-care plans seek to control cost and improve coordination by negotiating with providers and establishing coverage procedures. Nevada recognizes network plans as policies in which financing and delivery of medical care are provided, at least in part, through defined providers under contract with the insurer.
References/topics from the Study Guide: Managed Care; HMO; PPO; Network Plans; NRS 689A-Network Plan Definition.
질문 # 103
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IT인증시험은 국제적으로 인정받는 자격증을 취득하는 과정이라 난이도가 아주 높습니다. Insurance Licensing인증 InsNV_Health02시험은 IT인증자격증을 취득하는 시험과목입니다.어떻게 하면 난이도가 높아 도전할 자신이 없는 자격증을 한방에 취득할수 있을가요? 그 답은PassTIP에서 찾을볼수 있습니다. PassTIP에서는 모든 IT인증시험에 대비한 고품질 시험공부가이드를 제공해드립니다. PassTIP에서 연구제작한 Insurance Licensing인증 InsNV_Health02덤프로Insurance Licensing인증 InsNV_Health02시험을 준비해보세요. 시험패스가 한결 편해집니다.
InsNV_Health02시험덤프자료: https://www.passtip.net/InsNV_Health02-pass-exam.html