Free Ohio Accident & Health Insurance Practice Exam 3
Prepare for your licensing exam with our realistic state-specific test questions, complete answers, and detailed rationales.
Exam Structure & Overview
Passing the Ohio insurance exam is the ultimate step toward launching your career as a licensed professional. This practice test consists of 25 high-probability questions sampled to match the general composition of topics tested on the real state licensing examination.
Whether you are preparing for the Accident & Health lines or a combined license, practicing with mock questions helps cement concepts, improves time management, and reduces test-day anxiety.
Key Practice Focus Areas
- State Laws & Regulations: Specific rules, licensing duties, and consumer protections.
- Policy Provisions & Options: Standard contract clauses, riders, exclusions, and riders.
- General Principles: Underwriting basics, insurance concepts, and legal requirements.
Recommended Study PathTry this practice exam fully. Review each explanation carefully when an answer is submitted. If you feel ready to unlock the full comprehensive question database, visit the main state hub for deeper exam simulations.
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Test 325 Questions
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Health InsuranceMedical Expense Insurance
Coordination of Benefits (COB) provisions in group health plans are designed to:
Health InsuranceLong-Term Care Insurance
Which of the following statements about LTC insurance is TRUE?
Ohio Insurance Law & EthicsProducer Licensing
Which of the following is TRUE regarding Ohio's producer appointment requirement?
Health InsuranceMedical Expense Insurance
Under the non-duplication COB method a secondary insurer will pay:
Health InsuranceGroup Health Insurance
Under a group health plan evidence of insurability is typically:
Health InsuranceDisability Income Insurance
Disability income insurance policies typically replace what percentage of the insured's pre-disability gross income?
Health InsuranceMedicare and Medicaid
Medicaid's spend-down provision allows:
General InsuranceThe Insurance Contract
An open perils (all-risk) policy covers:
Ohio Insurance Law & EthicsProducer Licensing
Ohio's pre-licensing education requirement of 20 hours must be completed:
General InsuranceTypes of Insurers
A self-insured retention (SIR) is most similar to which insurance concept?
General InsuranceBasic Principles
Which of the following describes a physical hazard?
Ohio Insurance Law & EthicsUnfair Trade Practices
An Ohio producer who advertises guaranteed dividends on a participating life insurance policy is:
Health InsuranceACA and Individual Market
Guaranteed issue under the ACA means that individual market health insurers must:
Health InsuranceMedicare and Medicaid
Medicare Part B covers which of the following?
Ohio Insurance Law & EthicsProducer Licensing
The ODI application fee for an Ohio insurance producer license is:
Health InsuranceLong-Term Care Insurance
An inflation protection rider on a long-term care insurance policy is designed to:
Health InsuranceLong-Term Care Insurance
A shared care rider on an LTC policy:
Ohio Insurance Law & EthicsClaims and Consumer Protections
An insurer that engages in a general business practice of delaying or denying claims without conducting reasonable investigations may be found guilty of:
Health InsuranceMedicare and Medicaid
The standard Medicare Part B cost-sharing after the deductible is met requires the beneficiary to pay:
Health InsuranceACA and Individual Market
Which of the following is NOT one of the ACA's 10 Essential Health Benefits?
Health InsuranceGroup Health Insurance
Under the ACA employer mandate large employers defined as those with 50 or more full-time equivalent employees must:
Health InsuranceMedical Expense Insurance
The birthday rule is used in coordination of benefits to determine:
General InsuranceBasic Principles
The term 'exposure' in insurance refers to:
Health InsuranceMedical Expense Insurance
A health reimbursement arrangement (HRA) is:
General InsurancePolicy Provisions and Riders