Health — Information & Free Practice
US-DC · Examination information
193 free questions · Answer explanations · No signup required
Health
- Provider
- Pearson VUE
- Format
- Computer-based written examination
- Exam questions
- 50 scored general-knowledge questions and 25 scored District-specific questions; each content part also has 5 unscored pretest questions
- Time limit
- 2 hours
- Passing score
- 70
- Exam fee
- $75
Examination outline
General Knowledge — I. TYPES OF POLICIES
- A. Disability income
- A.1. Disability income / Individual disability income policy
- A.2. Disability income / Business overhead expense policy
- A.3. Disability income / Business disability buyout policy
- A.4. Disability income / Group disability income policy
- A.5. Disability income / Key employee policy
- B. Accidental death and dismemberment
- C. Medical expense insurance
- C.1. Medical expense insurance / Basic hospital, medical, and surgical policies
- C.2. Medical expense insurance / Major medical policies
- C.3. Medical expense insurance / Health Maintenance Organizations (HMOs)
- C.4. Medical expense insurance / Preferred Provider Organizations (PPOs)
- C.5. Medical expense insurance / Point of Service (POS) plans
- C.6. Medical expense insurance / Flexible Spending Accounts (FSAs)
- C.7. Medical expense insurance / High Deductible Health Plans (HDHPs) and related Health Savings Accounts (HSAs)
- C.8. Medical expense insurance / Health Reimbursement Accounts (HRAs)
- D. Medicare supplement policies
- E. Group insurance
- E.1. Group insurance / Differences between individual and group contracts
- E.2. Group insurance / General characteristics
- E.3. Group insurance / COBRA
- F. Individual/Group Long Term Care (LTC)
- F.1. Individual/Group Long Term Care (LTC) / Eligibility
- F.2. Individual/Group Long Term Care (LTC) / Levels of care
- G. Other policies
- G.1. Other policies / Dental
- G.2. Other policies / Vision
- G.3. Other policies / Cancer
- G.4. Other policies / Critical illness or specified disease
- G.5. Other policies / Worksite (employer-sponsored)
- G.6. Other policies / Hospital indemnity
- G.7. Other policies / Short-term medical
- G.8. Other policies / Accident
General Knowledge — II. POLICY PROVISIONS, CLAUSES, AND RIDERS
- A. Mandatory and optional provisions
- A.1. Mandatory and optional provisions / Entire contract
- A.2. Mandatory and optional provisions / Time limit on certain defenses (incontestable)
- A.3. Mandatory and optional provisions / Grace period
- A.4. Mandatory and optional provisions / Reinstatement
- A.5. Mandatory and optional provisions / Notice of claim
- A.6. Mandatory and optional provisions / Claim forms
- A.7. Mandatory and optional provisions / Proof of loss
- A.8. Mandatory and optional provisions / Time of payment of claims
- A.9. Mandatory and optional provisions / Payment of claims
- A.10. Mandatory and optional provisions / Physical examination and autopsy
- A.11. Mandatory and optional provisions / Legal actions
- A.12. Mandatory and optional provisions / Change of beneficiary
- A.13. Mandatory and optional provisions / Misstatement of age or gender
- A.14. Mandatory and optional provisions / Change of occupation
- A.15. Mandatory and optional provisions / Illegal occupation
- A.16. Mandatory and optional provisions / Relation of earning to insurance
- A.17. Mandatory and optional provisions / Conformity with State Statutes
- B. Other provisions and clauses
- B.1. Other provisions and clauses / Insuring clause
- B.2. Other provisions and clauses / Free look
- B.3. Other provisions and clauses / Consideration clause
- B.4. Other provisions and clauses / Probationary period
- B.5. Other provisions and clauses / Elimination period
- B.6. Other provisions and clauses / Waiver of premium
- B.7. Other provisions and clauses / Exclusions and limitations
- B.8. Other provisions and clauses / Preexisting conditions
- B.9. Other provisions and clauses / Coinsurance
- B.10. Other provisions and clauses / Deductibles
- B.11. Other provisions and clauses / Eligible expenses
- B.12. Other provisions and clauses / Copayments
- B.13. Other provisions and clauses / Pre-authorizations and prior approval requirements
- B.14. Other provisions and clauses / Usual, reasonable, and customary (URC) charges
- B.15. Other provisions and clauses / Lifetime, annual, or per cause maximum benefit limits
- C. Riders
- C.1. Riders / Impairment/exclusions
- C.2. Riders / Guaranteed insurability
- C.3. Riders / Future increase option
- D. Rights of renewability
- D.1. Rights of renewability / Noncancelable
- D.2. Rights of renewability / Cancelable
- D.3. Rights of renewability / Guaranteed renewable
General Knowledge — III. SOCIAL INSURANCE
- A. Medicare (Parts A, B, C, D)
- B. Medicaid
- C. Social Security benefits
General Knowledge — IV. OTHER INSURANCE CONCEPTS
- A. Total, partial, recurrent and residual disability
- B. Owner’s rights
- C. Dependent children benefits
- D. Primary and contingent beneficiaries
- E. Modes of premium payments
- F. Nonduplication and coordination of benefits (e.g., primary vs. excess)
- G. Occupational vs. non-occupational
- H. Tax treatment of premiums and proceeds of insurance contracts (e.g., disability income and medical expenses, etc.)
- I. Managed care
- J. Workers Compensation
- K. Subrogation
General Knowledge — V. FIELD UNDERWRITING PROCEDURES
- A. Completing the application
- B. Explaining sources of insurability and HIPAA privacy information (e.g., MIB Report, Fair Credit Reporting Act, etc.)
- C. Initial premium payment and receipt and consequences of the receipt (e.g., medical examination, etc.)
- D. Submitting application (and initial premium if collected) to company for underwriting
- E. Policy delivery
- F. Explaining policy and its provisions, riders, exclusions, and ratings to clients
- G. Replacement
- H. Contract law
- H.1. Contract law / Elements of a contract
- H.2. Contract law / Insurable interest
- H.3. Contract law / Warranties and representations
- H.4. Contract law / Unique aspects of the insurance contract
- H.4.a. Contract law / Unique aspects of the insurance contract / Conditional
- H.4.b. Contract law / Unique aspects of the insurance contract / Unilateral
- H.4.c. Contract law / Unique aspects of the insurance contract / Adhesion
- H.4.d. Contract law / Unique aspects of the insurance contract / Aleatory
District of Columbia Specific — I. DISTRICT OF COLUMBIA LAWS, RULES, AND REGULATIONS COMMON TO LIFE, ACCIDENT AND HEALTH, PROPERTY, AND CASUALTY INSURANCE
- A. Commissioner of Insurance, Securities and Banking
- A.1. Commissioner of Insurance, Securities and Banking / Broad Powers & Duties
- A.2. Commissioner of Insurance, Securities and Banking / Examination of Records
- A.3. Commissioner of Insurance, Securities and Banking / Notice of Hearings
- B. General Insurance Definitions
- B.1. General Insurance Definitions / Domestic, Foreign, Alien
- B.2. General Insurance Definitions / Stock & Mutual Companies
- B.3. General Insurance Definitions / Certificate of Authority
- C. Licensing Requirements
- C.1. Licensing Requirements / Producer
- C.2. Licensing Requirements / License denial, nonrenewal, suspension or revocation
- C.3. Licensing Requirements / Appointments
- C.4. Licensing Requirements / Commissions
- C.5. Licensing Requirements / Reporting of actions
- C.6. Licensing Requirements / License Renewal
- D. Unfair Trade Practices
- D.1. Unfair Trade Practices / False Advertising
- D.2. Unfair Trade Practices / Rebating
- D.3. Unfair Trade Practices / Misrepresentation
- D.4. Unfair Trade Practices / Defamation
- D.5. Unfair Trade Practices / Discrimination
- D.6. Unfair Trade Practices / Twisting
- D.7. Unfair Trade Practices / Penalties
- D.8. Unfair Trade Practices / Claims
- E. Fiduciary Capacity of Licensee
- F. AIDS Law
- G. Insurance Guaranty Associations
District of Columbia Specific — II. DISTRICT OF COLUMBIA LAWS, RULES, AND REGULATIONS PERTINENT TO ACCIDENT AND HEALTH INSURANCE ONLY
- A. Required Coverages/Provisions
- A.1. Required Coverages/Provisions / Newborns
- A.2. Required Coverages/Provisions / Cancellation
- A.3. Required Coverages/Provisions / Cancer Prevention
- A.4. Required Coverages/Provisions / Grace Period
- A.5. Required Coverages/Provisions / Reinstatement
- B. Medicare Supplements
- B.1. Medicare Supplements / Disclosure Requirements
- C. Credit Accident and Health
- D. Long Term Care
Examination sources
- District of Columbia Insurance Content Outlines
cover, version effective date
- District of Columbia Insurance Licensing Candidate Handbook
p. 10, Content Outlines
- District of Columbia Insurance Content Outlines
p. S3, general-knowledge scope, first heading line
- District of Columbia Insurance Content Outlines
p. S3, general-knowledge scope, second heading line
- District of Columbia Insurance Content Outlines
p. S3, general section I
- District of Columbia Insurance Content Outlines
p. S3, general section II
- District of Columbia Insurance Content Outlines
p. S3, general section III
- District of Columbia Insurance Content Outlines
p. S3, general section IV
- District of Columbia Insurance Content Outlines
p. S3, general section V
- District of Columbia Insurance Content Outlines
p. S4, District-specific examination heading
- District of Columbia Insurance Content Outlines
p. S4, District-specific section I, first heading line
- District of Columbia Insurance Content Outlines
p. S4, District-specific section II, second heading line
- District of Columbia Insurance Content Outlines
p. S3, Accident & Health general-knowledge scored-question heading
- District of Columbia Insurance Content Outlines
p. S4, Accident and Health District-specific scored-question heading
- District of Columbia Insurance Licensing Candidate Handbook
p. 8, Score Reporting
- 26-A DCMR 100
26-A DCMR 100.3(a), passing score and score age
- District of Columbia Insurance Licensing Candidate Handbook
Available Examinations, exam code 02
- District of Columbia Insurance Licensing Candidate Handbook
p. 3, Exam Requirement
- District of Columbia Insurance Licensing Candidate Handbook
p. 5, Making a Reservation
- Pearson VUE District of Columbia Insurance
Resources, Candidate Handbook and Content Outlines
Related license preparation
This examination may be required or accepted as an alternative, depending on the license and application pathway.