Types of Health Insurance Policies Practice Questions
Section V of the general-knowledge outline · Texas General Lines Life, Accident and Health: 16 scored questions
Ten questions on types of health policies, untimed, with a worked answer after each one.
Or take the full Life and Health mock examWhich of the following is one of the activities of daily living used to determine eligibility for long-term care benefits?
Types of health policies on the exam
Outline section V is 16 of the 100 general-knowledge questions, the largest health section: what each kind of accident and health policy pays and how the plans differ.
- Outline
- Section V: Disability income, AD&D, medical expense plans (HMO, PPO, POS, HDHP and HSA), Medicare supplement, group coverage and COBRA, long-term care and limited plans
- Share of the exam
- Life and Health general knowledge: 16 of 100 scored questionsTexas General Lines Life, Accident and Health: 16 of 130 scored questions
- Our drill
- 10 questions from 58 on this section, untimed, a worked answer after each; one free attempt, unlimited with a pass
What to know
- Disability income replaces part of the insured’s earnings after an elimination period, for a benefit period. Own-occupation definitions pay when the insured cannot do their own job; any-occupation definitions only when they cannot do any job they are suited for.
- Business overhead expense coverage pays a disabled owner’s business expenses such as rent, utilities and staff salaries, but not the owner’s own income. A disability buyout policy funds the purchase of a disabled owner’s share.
- Major medical pays after a deductible, then shares costs through coinsurance (for example 80/20) until the out-of-pocket maximum is reached.
- An HMO uses a primary care physician as gatekeeper and pays only in network except for emergencies. A PPO pays in or out of network, with lower benefits out of network. A POS plan mixes the two.
- A health savings account requires coverage under a qualified high-deductible health plan. Contributions are tax-deductible and qualified withdrawals are tax-free; unused money rolls over and belongs to the account holder.
- COBRA lets employees of employers with 20 or more employees continue group health coverage at their own cost: 18 months after a job loss or cut in hours, up to 36 months for dependents after events such as death or divorce.
Test yourself on types of health policies
Ten questions on types of health policies, untimed, with a worked answer after each one.
Or take the full Life and Health mock examCommon questions
How many types of health policies questions are on the exam?
Section V is 16 of the 100 scored general-knowledge questions on the Texas General Lines Life, Accident and Health exam.
Are these real exam questions?
No. No state or testing vendor does not release exam questions. These are original practice questions written to the published content outline, with a worked explanation and the source behind every answer.
More life and health sections
- Types of life policies and annuitiesdrill
- Life policy riders, provisions, options and exclusionsdrill
- Life application, underwriting and policy deliverydrill
- Retirement plans, group life and taxationdrill
- Health policy provisions, clauses and ridersdrill
- Social insurance and other health conceptsdrill
- Health field underwritingdrill
Outline and facts checked November 2026: Texas Insurance Content Outlines (effective September 1, 2026) · NAIC Uniform Individual Accident and Sickness Policy Provision Law · Texas Insurance Licensing Candidate Handbook.
Original independent practice questions written to the published Pearson VUE content outline. Not affiliated with or endorsed by Pearson VUE, the Texas Department of Insurance or any state insurance department.