InsNV_Health02測試 & InsNV_Health02認證考試解析

據調查，現在IT行業認證考試中大家最想參加的是Insurance Licensing的InsNV_Health02考試。確實，這是一個非常重要的考試，這個考試已經被公開認證了。此外，這個考試資格可以證明你擁有了高技能。然而，和考試的重要性一樣，這個考試也是非常難的。要想通過考試是很困難的，但是請不要擔心。因為Fast2test可以幫助你通過困難的InsNV_Health02認證考試。

Insurance Licensing InsNV_Health02 Exam Syllabus Topics:

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

>> InsNV_Health02測試 <<

InsNV_Health02認證考試解析 - InsNV_Health02考古題介紹

Fast2test是一個你可以完全相信的網站。Fast2test的Insurance Licensing技術專家為了讓大家可以學到更加高效率的資料一直致力於各種InsNV_Health02認證考試的研究，從而開發出了更多的考試資料。只要你使用過一次Fast2test的資料，你就肯定還想用第二次。因為Fast2test不但給你提供最好的資料，而且為你提供最優質的服務。如果你對我們的產品有任何意見都可以隨時提出，因為我們不僅以讓廣大考生輕鬆通過InsNV_Health02考試為宗旨，更把為大家提供最好的服務作為我們的目標。

最新的 Nevada Insurance InsNV_Health02 免費考試真題 (Q74-Q79):

問題 #74
Which type of health insurance is designed primarily to reimburse medical expenses such as hospital, surgical, and physician charges?

A. Medical expense insurance
B. Disability income insurance
C. Credit life insurance
D. Accidental death insurance

答案：A

解題說明：
Medical expense insurance is designed to reimburse or pay covered health-care expenses arising from illness or injury. These expenses may include hospital room and board, surgical services, physician services, diagnostic testing, outpatient treatment, prescription drugs, and other covered medical care. Benefits are subject to the policy's deductible, copayment, coinsurance, network rules, exclusions, benefit limits, and medical-necessity standards.
Disability income insurance serves a different purpose. It replaces a portion of the insured's earned income when the insured becomes disabled under the policy definition. It does not ordinarily reimburse hospital or physician bills. Accidental death insurance pays a benefit upon qualifying accidental death and does not serve as general medical coverage. Credit life insurance is designed to help satisfy a debt when the debtor dies.
An examination question may describe a policy as basic hospital, surgical, physician expense, major medical, comprehensive major medical, or managed care. Each is within the broader medical-expense category, although benefits and delivery systems differ. The producer should help clients understand the distinction between coverage for medical bills and coverage for lost income. A client can need both forms of protection because medical expenses and inability to earn income are separate financial risks.
References/topics from the Study Guide: Medical Expense Insurance; Hospital Expense; Surgical Expense; Major Medical; Disability Income Insurance.

問題 #75
Under an Accidental Death and Dismemberment policy, in which of the following circumstances will an autopsy NOT be performed?

A. When the cause of death was an illness
B. When the cause of death was an accident
C. When the beneficiary refuses to give consent
D. When it is prohibited by law

答案：D

解題說明：
The correct answer is B. An AD & D policy may give the insurer the right to conduct an autopsy when death occurs, provided the autopsy is not prohibited by law. The autopsy provision helps the insurer determine whether the cause of death falls within the policy's accidental-death coverage and whether an exclusion applies. A beneficiary's refusal does not necessarily defeat the insurer's contractual right if applicable law permits the examination. The fact that death resulted from illness rather than an accident may affect whether an AD & D benefit is payable, but it does not itself state the legal restriction on performing an autopsy.
Likewise, an accidental cause of death is precisely the type of circumstance in which the insurer may need medical evidence to verify coverage. The insurer's right is not unlimited: it must comply with legal requirements, including restrictions imposed by statute, court order, or other controlling authority. The exam rule is straightforward: the insurer may conduct an autopsy at its own expense unless doing so is prohibited by law. Study Guide References/Topics: Policy Provisions, Clauses, and Riders; Accidental Death and Dismemberment; Autopsy Provision.

問題 #76
A doctor who is receiving Disability Income benefits is not able to return to work full-time but continues practicing on a part-time basis. Which of the following policy features would allow the doctor to continue receiving benefits?

A. A Residual Benefit clause
B. A Contingent Benefit clause
C. A Concurrent Benefit clause
D. A Guaranteed Insurability rider

答案：A

解題說明：
The correct answer is A. A residual benefit clause permits an insured who has returned to work on a limited basis, but still suffers a loss of income because of disability, to receive partial disability benefits. The doctor is able to practice part-time but cannot resume full-time work, so the disability continues to cause an earnings loss. Residual benefits are intended to encourage rehabilitation and return to productive work without forcing the insured to lose all benefits immediately. The benefit amount is usually tied to the percentage of income lost compared with pre-disability earnings, subject to policy requirements. A contingent benefit clause and concurrent benefit clause are not the standard disability-income provisions that address partial return to work.
A guaranteed insurability rider permits future increases in coverage without proof of insurability; it does not pay benefits for a continuing partial disability. Residual disability should be distinguished from total disability, which generally requires inability to perform the duties defined in the policy. Study Guide References/Topics: Policy Provisions, Clauses, and Riders; Disability Income Insurance; Residual Disability Benefits.

問題 #77
In a typical HMO arrangement, what is the primary role of the primary care provider?

A. To guarantee that all out-of-network care is covered
B. To coordinate routine care and referrals under the plan's rules
C. To sell insurance policies to other patients
D. To determine the insurer's investment return

答案：B

解題說明：
In a typical health maintenance organization, the primary care provider acts as the central coordinator of the insured's routine medical care. The primary care provider may deliver preventive and basic medical services, maintain the patient's care plan, and refer the patient to specialists or other facilities when required by the HMO's rules. This gatekeeper function is intended to coordinate care, reduce unnecessary duplication, and manage costs through the plan's provider network.
The precise referral rules depend on the particular HMO. Some plans may allow direct access to certain specialists, such as obstetricians or behavioral-health providers, while others require prior referral or authorization. Emergency services are subject to separate protections and should not be described as ordinary out-of-network elective care. The producer must explain the network, referral, prior-authorization, and out-of- network rules before enrollment.
A PPO also has a preferred provider network but commonly allows members to use nonnetwork providers at a reduced benefit level and without the same referral structure. An indemnity plan may provide broader provider choice but may have different reimbursement limits and cost sharing. The test distinction is that an HMO commonly emphasizes coordinated, network-based care through a primary care provider.
References/topics from the Study Guide: Managed Care; HMO; Primary Care Provider; Gatekeeper Model; Provider Networks.

問題 #78
Which of the following characteristics is typical of group insurance?

A. All full-time employees are eligible for coverage.
B. Medical examinations are required.
C. Employees may automatically enroll for coverage at any time.
D. Each employee receives an individual contract.

答案：A

解題說明：
Choice C is correct. Group insurance is designed to cover members of an eligible class, commonly all full- time employees of an employer, subject to the plan's participation, waiting-period, and eligibility rules. The employer or policyholder receives the master contract, while individual employees receive certificates of coverage describing their benefits. Therefore, choice B is incorrect because employees ordinarily do not receive separate individual policies. Medical examinations are generally not required for eligible employees during an initial enrollment period, especially when coverage is guaranteed issue. Choice A is therefore not a typical group-insurance feature. Enrollment is also not automatically available at any time. Employees normally enroll when first eligible or during an open enrollment period; late entrants may face evidence-of- insurability requirements or other conditions. Group insurance spreads risk across a defined group and is typically less individually underwritten than individual insurance. The key requirement is that the group be formed for a purpose other than obtaining insurance and that coverage be offered according to objective eligibility standards. Study Guide References/Topics: Group Health Insurance; Group Eligibility; Master Contract and Certificate of Coverage.

問題 #79
......

我們Fast2test網站的Insurance Licensing培訓資料是沒有網站可以與之比較的。它是空前絕後的真實，準確，為了幫助每位考生順利通過考試，我們的InsNV_Health02精英團隊不斷探索。我可以毫不猶豫的說這絕對是一份具有針對性的培訓資料。我們Fast2test網站不僅產品真實，而且價格也很合理，當你選擇我們的產品，我們還提供一年的免費更新，讓你更在充裕的時間裏準備InsNV_Health02考試，這樣也可以消除你對考試緊張的心理，達到一個兩全其美的辦法了。

InsNV_Health02認證考試解析: https://tw.fast2test.com/InsNV_Health02-premium-file.html