Insurance Licensing InsNV_Health02 : NV Accident and Health

Exam Code: InsNV_Health02
Exam Name: NV Accident and Health
Updated: Sep 27, 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. Rights of renewability Noncancelable Cancelable Guaranteed renewable 2. Riders Impairment and exclusions Guaranteed insurability Future increase option 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 - 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. 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. Individual and Group Long Term Care Eligibility Levels of care 5. Medicare supplement policies 6. Group insurance Differences between individual and group contracts General characteristics COBRA 7. Disability income Individual disability income policy Business overhead expense policy Business disability buyout policy Group disability income policy Key employee policy - Other Insurance Concepts 1. Dependent children benefits 2. Workers Compensation 3. Total, partial, recurrent, and residual disability 4. Occupational vs. non-occupational 5. Subrogation 6. Tax treatment of premiums and proceeds of insurance contracts 7. Owner's rights 8. Primary and contingent beneficiaries 9. Cost containment 10. Managed care 11. Nonduplication and coordination of benefits 12. Modes of premium payments - Field Underwriting Procedures 1. Contract law Elements of a contract Insurable interest Warranties and representations Unique aspects of the insurance contract 2. Initial premium payment and receipt 3. Submitting application and initial premium to company for underwriting 4. Sources of insurability and HIPAA privacy information 5. Completing the application 6. Policy delivery 7. Replacement 8. Explaining policy provisions, riders, exclusions, and ratings - 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%	- Group life and health insurance 1. Required provisions 2. Eligible groups - Advertising - Credit life and health insurance
Topic 3: Nevada Statutes and Codes Common to Life, Health, Property, and Casualty Insurance	20%	- Definitions 1. Certificate of authority 2. Cost-sharing 3. Premiums 4. Authorized and unauthorized 5. Transacting insurance 6. Domestic, foreign, and alien 7. Insurer - Marketing Practices 1. Silver State Health Insurance Exchange 2. Required records and record retention 3. Commissions and payment restrictions 4. Fiduciary responsibilities 5. Unfair practices Unfair claims methods and practices and settlement of claims Rebating and inducement Twisting Misrepresentation Fraud Unfair discrimination Defamation 6. Affordable Care Act - Nevada Life and Health Insurance Guaranty Association - Licensing 1. Persons required to be licensed 2. Renewal and continuing education 3. Termination of license 4. Name of licensee 5. Suspension, revocation, and refusal of license 6. Obtaining a license - Insurance Commissioner 1. Examinations 2. Notice and hearings and penalties 3. General powers and duties
Topic 4: Nevada Statutes and Codes Pertinent to Health Insurance Only	14%	- Long Term Care - Hospice care - 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 - Coverage for reconstructive surgery - Availability of coverage for mental health and treatment of alcohol abuse and drug abuse - Medicare 1. Prescription Drug Plan 2. Medicare Advantage Plans 3. Medicare supplement regulation

Insurance Licensing NV Accident and Health Sample Questions:

Question #1

According to Nevada law, an authorized insurer is BEST defined as:

A. an insurer with a certificate of authority issued by the National Association of Insurance Commissioners (NAIC)
B. an insurer with a certificate of authority issued by the Insurance Commissioner of Nevada
C. an insurer authorized under a certificate of authority issued by the Governor of Nevada
D. any insurer with minimum assets as required by this state

Reveal Solution Discussion 0

Correct Answer: B 🗳️