Insurance Licensing InsNV_Health02 : NV Accident and Health

Exam Code: InsNV_Health02
Exam Name: NV Accident and Health
Updated: Oct 12, 2026 Q & A: 132 Questions and Answers

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Insurance Licensing InsNV_Health02 Exam Syllabus Topics:

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

Insurance Licensing NV Accident and Health Sample Questions:

Question #1

A producer aggrieved by any regulation or order of the Insurance Commissioner may request:

A. injunctive relief through the Secretary of State
B. legislative review of the case
C. an administrative hearing
D. peer review of the case

Reveal Solution Discussion 0

Correct Answer: C 🗳️