Insurance Licensing인증 InsNV_Health02시험을 등록하였는데 시험준비를 어떻게 해애 될지 몰라 고민중이시라면 이 글을 보고ExamPassdump를 찾아주세요. ExamPassdump의Insurance Licensing인증 InsNV_Health02덤프샘플을 체험해보시면 시험에 대한 두려움이 사라질것입니다. ExamPassdump의Insurance Licensing인증 InsNV_Health02덤프는Insurance Licensing인증 InsNV_Health02실제시험문제를 마스터한 기초에서 제작한 최신시험에 대비한 공부자료로서 시험패스율이 100%입니다. 하루 빨리 덤프를 마련하여 시험을 준비하시면 자격증 취득이 빨라집니다.
| Section | Objectives |
|---|---|
| Topic 1: Health Insurance Policy Provisions | - Mandatory and Optional Provisions
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| Topic 2: Accident and Health Insurance Fundamentals | - Medical Expense Insurance
|
| Topic 3: Government Health Insurance Programs | - Medicare
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| Topic 4: Insurance Basics | - Insurance Contracts
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| Topic 5: Producer Duties and Ethics | - Ethical Responsibilities
|
| Topic 6: General Insurance Regulation | - Nevada Insurance Department and Regulatory Authority
|
ExamPassdump의 Insurance Licensing인증 InsNV_Health02덤프는 거의 모든 실제시험문제 범위를 커버하고 있습니다.Insurance Licensing인증 InsNV_Health02시험덤프를 구매하여 덤프문제로 시험에서 불합격성적표를 받을시ExamPassdump에서는 덤프비용 전액 환불을 약속드립니다.
질문 # 95
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?
정답：D
설명：
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.
질문 # 96
A policyowner names two children as beneficiaries "per stirpes." If one child dies before the insured but leaves children, how are that deceased child's share and the surviving child's share handled?
정답：C
설명：
A per stirpes beneficiary designation means "by the branch" or "by the bloodline." If a named beneficiary dies before the insured, that beneficiary's descendants take the deceased beneficiary's share. In this question, the deceased child's children receive the share that would have gone to their parent, while the surviving child receives that child's own share. This preserves each family branch's intended portion of the life insurance proceeds.
A per capita designation works differently. Under a per capita arrangement, surviving members of a named class generally share equally, and a deceased beneficiary's descendants do not automatically take the deceased beneficiary's share unless the designation or policy language provides otherwise. The precise result always depends on the policy designation, applicable law, and any contingent- beneficiary provisions.
Beneficiary designations should be reviewed after divorce, marriage, birth, death, adoption, or other major changes. A producer should not provide legal advice about estate planning, but should encourage the policyowner to obtain professional legal guidance when the designation involves trusts, minors, estates, complex family arrangements, or special-needs planning.
The test point is straightforward: per stirpes preserves the deceased beneficiary's branch; per capita distributes among the surviving members of the class.
References/topics from the Study Guide: Beneficiary Designations; Per Stirpes; Per Capita; Primary and Contingent Beneficiaries; Estate Planning Basics.
질문 # 97
A life policy lapses because a premium was not paid. To reinstate the policy, the insurer will generally require all of the following EXCEPT:
정답：C
설명：
Reinstatement restores a lapsed life insurance policy to active status if the policyowner satisfies the policy's requirements. Those requirements generally include applying for reinstatement within the permitted period, providing evidence of insurability satisfactory to the insurer, and paying overdue premiums plus interest. The exact reinstatement period and underwriting requirements are controlled by the policy and applicable law.
A new medical examination is not required in every case. The insurer may request medical information or an examination when needed to evaluate the applicant's current insurability, but it is not an automatic universal requirement. The key examination principle is that evidence of insurability is required, not that a physical examination must always occur. Reinstatement is often preferable to purchasing a new policy because the existing policy may have more favorable premium rates, accumulated cash value, or a prior issue age.
However, the policyowner must understand that contestability and certain exclusions may begin again with respect to the reinstatement.
A producer should explain the difference between reinstatement and renewal. Reinstatement restores a policy that lapsed; renewal continues or extends a policy under its existing terms. Neither should be assumed available without reviewing the contract.
References/topics from the Study Guide: Reinstatement Provision; Policy Lapse; Evidence of Insurability; Premium Payment; NRS 688A.130.
질문 # 98
Which of the following BEST describes Medicare Advantage Plans?
정답：C
설명：
Medicare Advantage Plans are best described as government-subsidized private insurance. Medicare Advantage, also called Medicare Part C, is offered by private companies that contract with Medicare and must follow Medicare rules. Eligible beneficiaries receive their Medicare-covered benefits through the private plan instead of receiving benefits through Original Medicare directly.
The federal Medicare program pays private Medicare Advantage organizations to provide covered services to enrolled beneficiaries. The plans must provide all medically necessary services covered by Original Medicare, except hospice care, which remains covered under Original Medicare. Many Medicare Advantage plans also include prescription drug coverage and may provide additional benefits such as dental, vision, hearing, wellness, or transportation benefits.
The plans are private, but they are not privately subsidized government insurance. They are federally regulated Medicare arrangements supported by Medicare payments. They are not long-term care riders and are not welfare benefit plans. Enrollees generally continue paying their Medicare Part B premium and may also pay a plan premium, although some plans have a $0 additional premium.
Study Guide references/topics: Medicare Part C; Medicare Advantage; private insurers; federal Medicare program; Medicare Advantage overview .
질문 # 99
A person insured under a policy of Long Term Care insurance issued pursuant to a direct response solicitation has how many days after delivery to return the policy for a full refund?
정답：D
설명：
A long-term care insurance policy may be returned within 30 days after delivery for a full premium refund if the applicant is dissatisfied for any reason. This is known as a free-look or right-to-return provision. It gives the insured time to examine the contract after delivery and determine whether the coverage is appropriate.
The right is especially important in a direct-response sale, where the consumer may not have met face-to-face with a producer. Long-term care policies can contain detailed provisions concerning benefit triggers, elimination periods, activities of daily living, cognitive impairment, benefit periods, inflation protection, exclusions, premium changes, and nonforfeiture benefits. The 30-day review period allows a buyer to examine those terms without forfeiting premium.
The policy must prominently disclose the right to return the contract and receive a refund. The insurer must make the refund within the required period after the policy is returned. This rule differs from other health- insurance free-look, cancellation, grace-period, and reinstatement provisions, which can use different deadlines.
Study Guide references/topics: long-term care insurance; direct response solicitation; free-look provision; return of policy; NAC 687B.060 .
질문 # 100
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지금 사회에 능력자들은 아주 많습니다.it인재들도 더욱더 많아지고 있습니다.많은 it인사들은 모두 관연 it인증시험에 참가하여 자격증취득을 합니다.자기만의 자리를 확실히 지키고 더 높은 자리에 오르자면 필요한 스펙이니까요.InsNV_Health02시험은Insurance Licensing인증의 중요한 시험이고 또 많은 it인사들은Insurance Licensing자격증을 취득하려고 노력하고 있습니다.
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