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Last Updated: Sep 28, 2026

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Insurance Licensing InsNV_Health02 Exam Syllabus Topics:

SectionObjectives
Government Health Insurance Programs- Medicare
  • 1. Medicare supplement insurance
    • 2. Medicare parts and eligibility
      - Medicaid and Other Programs
      • 1. Medicaid eligibility and coverage
        Insurance Basics- Insurance Contracts
        • 1. Policy provisions, riders, and exclusions
          • 2. Contract elements
            - Risk Management and Insurance Concepts
            • 1. Types of risk and methods of handling risk
              • 2. Insurance principles and contract characteristics
                Health Insurance Policy Provisions- Claims and Benefits
                • 1. Benefit determination and payment
                  • 2. Claim procedures
                    - Mandatory and Optional Provisions
                    • 1. Policy requirements and clauses
                      • 2. Renewability provisions
                        General Insurance Regulation- Nevada Insurance Department and Regulatory Authority
                        • 1. Insurance laws, rules, and regulations
                          • 2. Commissioner of Insurance powers and duties
                            - Licensing Requirements and Responsibilities
                            • 1. Producer licensing requirements
                              • 2. Continuing education and license maintenance
                                Producer Duties and Ethics- Sales Practices
                                • 1. Unfair trade practices
                                  • 2. Advertising and marketing rules
                                    - Ethical Responsibilities
                                    • 1. Consumer protection requirements
                                      • 2. Fiduciary responsibilities
                                        Accident and Health Insurance Fundamentals- Types of Health Insurance Policies
                                        • 1. Individual health insurance
                                          • 2. Group health insurance
                                            • 3. Managed care plans
                                              - Disability Income Insurance
                                              • 1. Elimination periods and benefit periods
                                                • 2. Disability definitions and benefits
                                                  - Medical Expense Insurance
                                                  • 1. Hospital, surgical, and physician expense coverage
                                                    • 2. Major medical plans

                                                      Insurance Licensing NV Accident and Health Sample Questions:

                                                      Question #1

                                                      Which feature is most characteristic of universal life insurance?

                                                      • A. Flexible premiums and adjustable death-benefit options, subject to policy requirements
                                                      • B. A fixed premium and fixed death benefit with no flexibility
                                                      • C. Coverage that can never build cash value
                                                      • D. Investment risk borne entirely by the insurer in a separate account
                                                      Reveal Solution  Discussion  0

                                                      Correct Answer: A  🗳️

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                                                      Question #2

                                                      An insured purchases a rider that pays an additional amount only if death results from a covered accident.
                                                      This rider is best described as:

                                                      • A. A return-of-premium rider
                                                      • B. An accidental death benefit rider
                                                      • C. A cost-of-living rider
                                                      • D. A guaranteed-insurability rider
                                                      Reveal Solution  Discussion  0

                                                      Correct Answer: B  🗳️

                                                      Explanation: Only visible for BraindumpQuiz members. You can sign-up / login (it's free).

                                                      Question #3

                                                      The statement that an insured MUST give an insurance company to show that a loss actually occurred is a:

                                                      • A. Notice of Claim
                                                      • B. Proof of Loss
                                                      • C. Loss form
                                                      • D. Inspection report
                                                      Reveal Solution  Discussion  0

                                                      Correct Answer: B  🗳️

                                                      Explanation: Only visible for BraindumpQuiz members. You can sign-up / login (it's free).

                                                      Question #4

                                                      A group health insurance policy MUST include coverage for which of the following expenses?

                                                      • A. Hospice
                                                      • B. Adult dental
                                                      • C. Over-the-counter dietary supplements
                                                      • D. Adult vision
                                                      Reveal Solution  Discussion  0

                                                      Correct Answer: A  🗳️

                                                      Explanation: Only visible for BraindumpQuiz members. You can sign-up / login (it's free).

                                                      Question #5

                                                      A life policy lapses because a premium was not paid. To reinstate the policy, the insurer will generally require all of the following EXCEPT:

                                                      • A. A new medical examination in every case
                                                      • B. Reinstatement within the policy's permitted time limit
                                                      • C. Payment of overdue premiums with interest
                                                      • D. Evidence of insurability
                                                      Reveal Solution  Discussion  0

                                                      Correct Answer: A  🗳️

                                                      Explanation: Only visible for BraindumpQuiz members. You can sign-up / login (it's free).

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