Infosys Certified- Basics of Health Insurance
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Real Lex exam-pattern multiple-choice questions for the Infosys Certified- Basics of Health Insurance certification. Each question includes the correct answer. The full question bank is available to Premium members.
- Question 1
Why Insurers opt for reinsurance?
- ✓ Investing funds. Correct
- B Obtaining capital for expansion.
- C Complying with regulations.
- D Transferring risk.
- Question 2
Social Health Insurance Scheme (SHI Scheme) or ' Basisverzekering ' a compulsory insurance package was made available to all citizens at very affordable costs in which country?
- ✓ US. Correct
- B UK.
- C Australia.
- D Netherlands.
- Question 3
___________ is a contractual agreement that states that the insurer will make a payment to the insured if a certain event occurs.
- ✓ Claims. Correct
- B Coverage.
- C Premium.
- D None of the choices.
- Question 4
The actual legal document issued by the insurance company to the member, who sets forth the terms and conditions of this agreement is called as ________
- ✓ Plan. Correct
- B Policy.
- C Benefit.
- D None of the choices.
- Question 5
Mostly Americans are
- ✓ covered by health insurance policies. Correct
- B not covered.
- C covered by government sponsored initiatives.
- D covered by employer sponsored plans.
- Question 6
If the insured has health insurance policy premium due for some months. But the insured met with an accident after just two weeks and receives emergency room care. Will this care be covered by his policy?
- ✓ Yes, he is still in the premium grace period, so coverage is still in effect. Correct
- B No, his policy was terminated on the premium due date.
- C No, he is still in the premium grace period, so his policy can be reinstated, but coverage is suspended
- D No, his policy was terminated one week after the premium due date.
- Question 7
All drug benefits plan cover
- ✓ Over the counter medications Correct
- B Outpatient prescription drugs
- C Inpatient drugs received by hospital patients
- D Oral contraceptives
- Question 8
In a policy with ______________, all expenses incurred for all illnesses and accidents apply to one deductible.
- ✓ all-cause deductible. Correct
- B per-cause deductible.
- C corridor deductible.
- D integrated deductible.
- Question 9
What functions does an agent perform in the insurance market?
- ✓ sales and policy holder service. Correct
- B sales only.
- C sales and insurer public relations.
- D sales, service, public relations and field underwriting.
- Question 10
In Australia, ___________is a publicly-funded program that reimburses pharmacists for the cost of dispensing medicines that are prescribed in accordance with a comprehensive national formulary.
- ✓ Pharmacy Benefit Management (PBM) Correct
- B Pharmaceutical Benefits Scheme (PBS)
- C Medicare
- D None of the choices.
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