Maryland Insurance Administration Accident-and-Health-or-Sickness-Producer : MarylandAccident and Health or Sickness Producer Series 20-24 Exam

  • Exam Code: Accident-and-Health-or-Sickness-Producer
  • Exam Name: MarylandAccident and Health or Sickness Producer Series 20-24 Exam
  • Updated: Oct 06, 2026
  • Q & A: 92 Questions and Answers

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Maryland Insurance Administration Accident-and-Health-or-Sickness-Producer Exam Syllabus Topics:

SectionWeightObjectives
Accident and Health Insurance Policies35%- Types of Coverage
  • 1. Disability income insurance
    • 2. Medical expense insurance
      • 3. Long-term care insurance
        • 4. Accident-only coverage
          - Policy Features
          • 1. Waiting periods and elimination periods
            • 2. Pre-existing conditions and exclusions
              • 3. Benefit structures and limits
                Insurance Regulation30%- Licensing
                • 1. License issuance, renewal, and termination
                  • 2. General provisions and definitions
                    • 3. Initial qualifications and examination
                      - Providers and Markets
                      • 1. HMOs and managed care arrangements
                        • 2. Insurers and health service organizations
                          - Regulation of Producers
                          • 1. Compensation and commissions
                            • 2. Privacy and confidentiality rules
                              • 3. Unfair trade practices
                                General Insurance Concepts15%- Fundamental Principles
                                • 1. Contract law and policy structure
                                  • 2. Insurable interest and indemnity
                                    • 3. Risk and risk management
                                      - Policy Provisions
                                      • 1. Mandatory and optional clauses
                                        • 2. Exclusions and limitations
                                          Maryland State-Specific Regulations20%- Statutory Requirements
                                          • 1. Disclosure and marketing requirements
                                            • 2. Claims handling and settlement rules
                                              • 3. Mandatory benefits and coverage mandates
                                                - Compliance and Enforcement
                                                • 1. Penalties and violations
                                                  • 2. Reporting and recordkeeping

                                                    Maryland Insurance Administration MarylandAccident and Health or Sickness Producer Series 20-24 Sample Questions:

                                                    Question #1

                                                    If an individual's occupation is considered to be illegal:

                                                    • A. It may require a waiver on a disability income insurance policy
                                                    • B. It must be stated as such on an accident and health insurance application
                                                    • C. It may result in a denial of a disability income claim
                                                    • D. It results in a substandard rating on an accident and health insurance policy
                                                    Reveal Solution  Discussion  0

                                                    Correct Answer: C  šŸ—³ļø

                                                    Explanation: Only visible for Free4Torrent members. You can sign-up / login (it's free).

                                                    Question #2

                                                    Which benefit is usually excluded from major medical expense plan coverage?

                                                    • A. Routine dental care
                                                    • B. Hospice care
                                                    • C. Physical therapy
                                                    • D. Prescription drugs
                                                    Reveal Solution  Discussion  0

                                                    Correct Answer: A  šŸ—³ļø

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                                                    Question #3

                                                    Medicare Supplement insurance is specifically designed for individuals who:

                                                    • A. Have low incomes and limited assets
                                                    • B. Cannot obtain commercial coverage due to health problems
                                                    • C. Have enrolled in Medicare
                                                    • D. Are ineligible for coverage under an employer group accident and health plan
                                                    Reveal Solution  Discussion  0

                                                    Correct Answer: C  šŸ—³ļø

                                                    Explanation: Only visible for Free4Torrent members. You can sign-up / login (it's free).

                                                    Question #4

                                                    Coverage for the first three pints of blood for Medicare enrollees is:

                                                    • A. A Medicare Supplement core benefit
                                                    • B. A Medicare Part A benefit
                                                    • C. A Medicare Supplement additional benefit
                                                    • D. A Medicare Part B benefit
                                                    Reveal Solution  Discussion  0

                                                    Correct Answer: A  šŸ—³ļø

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                                                    Question #5

                                                    An insured incurs a covered accident and health insurance loss on May 30, which is submitted to the insurer on June 8. If the insured terminated coverage on June 1, the insurer:

                                                    • A. Must pay the claim upon receipt of the proof of loss
                                                    • B. Must pay the claim within one year of termination of coverage
                                                    • C. Can refuse to pay the claim under the pre-existing conditions exclusion
                                                    • D. Can refuse to pay the claim because coverage has been terminated
                                                    Reveal Solution  Discussion  0

                                                    Correct Answer: A  šŸ—³ļø

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