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 InsuranceTypes of Policies
Individual accident and health insurance policies must contain certain mandatory (required) uniform provisions. How many mandatory provisions are there?
Health InsuranceDisability Insurance
The provision that addresses a disability that reappears after the insured has returned to work is the:
Health InsuranceGroup Plans
Under federal COBRA, how long can a spouse and dependent children continue coverage if the covered employee dies or gets divorced?
General InsuranceInsurance Marketplace
Prior to the McCarran-Ferguson Act, the Supreme Court ruling in United States v. South-Eastern Underwriters Association (1944) held that:
General InsuranceContracts & Terminology
A voidable contract is one that:
Health InsuranceHealth Insurance Basics
The difference between 'copayment' and 'coinsurance' in health insurance is:
General InsuranceBasic Principles
Which of the following is NOT a risk classification used by underwriters?
Health InsuranceLong-Term Care Insurance
Adult day care is a covered benefit under most LTC policies. It provides:
Ohio Insurance Law & EthicsProducer licensing
A licensed producer in Ohio, David, is convicted of a felony. Under Ohio regulations, within how many days of the conviction must David report this to Ohio Department of Insurance (ODI)?
Health InsuranceGroup Plans
Who receives a certificate of insurance as proof of coverage in a group plan?
Health InsuranceACA
Under the ACA employer mandate for ALEs with 100+ employees in 2015 and 50+ in 2016 and beyond:
Ohio Insurance Law & EthicsFree-Look & Grace Periods
A policyholder, Thomas, delivers his returned policy to his agent, Susan, within the free-look period. Does this constitute returning the policy to the insurer?
Health InsuranceGroup Plans
What is the purpose of stop-loss insurance for a self-funded employer?
Health InsuranceGroup Plans
What is the conversion privilege in a group health plan?
General InsuranceContracts & Terminology
The section of an insurance policy that identifies the specific risks being covered is the:
Health InsuranceMedicare & Medicaid
An 'assignment' in the context of Medicare means:
Ohio Insurance Law & EthicsProducer licensing
An agent wants to sell Partnership Long-Term Care policies in Ohio. What is the initial training requirement?
Health InsuranceACA
The ACA's minimum value standard requires employer-sponsored coverage to:
Health InsuranceGroup Plans
What happens to COBRA eligibility if a former employee becomes eligible for Medicare?
Health InsuranceLong-term Care
The activities of daily living (ADLs) used as benefit triggers in long-term care policies include all of the following EXCEPT:
General InsuranceBasic Principles
David's house is damaged by fire. His insurer pays him $50,000 to repair the damage. David then attempts to sue the negligent neighbor who caused the fire for the same $50,000. Which principle prevents David from collecting twice?
Health InsuranceHealth Insurance Basics
Which type of health insurance plan renews automatically but allows the insurer to increase premiums for an entire class?
Health InsuranceLong-term Care
A 'bed reservation benefit' in a long-term care policy:
Ohio Insurance Law & EthicsReplacement regulations
An agent, David, is replacing a life insurance policy. He fails to submit the Notice Regarding Replacement to the replacing insurer. What is the consequence for David?
Ohio Insurance Law & EthicsProducer licensing