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Chapter 5

Field Underwriting Procedures

QuestionAnswer
Which of the following is true about the requirements regarding HIV exams? The applicant must give prior informed written consent.
Which of the following entities can legally bind coverage? Insurer
An agent is in the process of replacing the insured’s current health insurance policy with a new one. Which of the following would be a proper action? The old policy should stay in force until the new policy is issued.
In a replacement situation, all of the following must be considered EXCEPT Assets.
An agent is ready to deliver a policy to an applicant but has not yet received payment. Upon delivery, the agent collects the applicant's premium check, answers any questions the applicant may have, and then leaves. What did he forget to do? Ask her to sign a statement of good health
An insured is upset that her new health insurance policy was delivered to her by certified mail and not through her agent. Which of the following is true? There is nothing wrong with this form of policy delivery.
Under the Privacy Rule for HIPAA, protected information includes all individually identifiable health information Held or transmitted in any form.
Whose responsibility is it to determine if all of the questions on an application have been answered? The agent
Created by: Hayley92
 

 



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