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Accident-and-Health-or-Sickness-Producer考古題介紹 & Accident-and-Health-or-Sickness-Producer熱門題庫

NewDumps為通過Accident-and-Health-or-Sickness-Producer考試提供最完整有效的方案，幫祝廣大考生在考試中獲得更多的優勢。確保你只獲得最新的和最有效的Maryland Insurance Administration Accident-and-Health-or-Sickness-Producer考古題，我們也希望客戶能隨時隨地的訪問，于是有了多個版本的題庫資料。PDF版的題庫方便你閱讀，為你真實地再現Accident-and-Health-or-Sickness-Producer考試題目，軟件版本的題庫作為一個測試引擎，可以幫你模擬真實的Accident-and-Health-or-Sickness-Producer考試環境，為考生做好充足的考前準備。通過Maryland Insurance Administration Accident-and-Health-or-Sickness-Producer考試不再是夢想，我們的考古題就可以確保你成功。

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Accident-and-Health-or-Sickness-Producer熱門題庫 & Accident-and-Health-or-Sickness-Producer考試內容

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最新的 Maryland Insurance Accident-and-Health-or-Sickness-Producer 免費考試真題 (Q72-Q77):

問題 #72
Which feature in a long-term care insurance policy is designed specifically to provide benefits at times when family members need a break from caring for the insured?

• A. Custodial facility care
• B. Respite care
• C. Home health care
• D. Skilled nursing facility care

答案：B

解題說明：
Respite care (Insurance Article, § 18-101) offers temporary professional care to relieve family caregivers, a mandated feature in Maryland long-term care policies. Skilled nursing, custodial care, and home health care serve ongoing needs, not specifically caregiver breaks.
References:Maryland Insurance Article, § 18-101 et seq.; MIA LTC guidelines.

 

問題 #73
When an accident and health insurer requires a covered individual to undergo a physical examination, who pays the cost of the examination?

• A. The premium payor
• B. The insurer
• C. The principal insured individual
• D. The patient or parent of the patient

答案：B

解題說明：
If an insurer mandates a physical exam (Insurance Article, § 12-202), it pays the cost, as it's a condition of coverage or claims processing. The premium payor, insured, or patient isn't responsible for insurer-initiated requirements.
References:Maryland Insurance Article, § 12-202; MIA policy standards.

 

問題 #74
An insurance producer provided several examples to the applicant persuasively demonstrating that the insurance coverage offered under his company's policy was superior to a competitor's product. The insurance producer knew he was misrepresenting or stretching the truth in order to induce the applicant to forfeit her current policy and purchase a similar but inferior insurance policy from him. The insurance producer is involved in which one of the following unfair trade practices?

• A. Twisting
• B. Discrimination
• C. Rebating
• D. Fraud

答案：A

解題說明：
Twisting (Insurance Article, § 27-203) involves misrepresenting policy benefits to induce replacement with an inferior product. Fraud is broader, discrimination isn't relevant, and rebating offers financial inducements, not misrepresentation.
References:Maryland Insurance Article, § 27-203; MIA trade practice rules.

 

問題 #75
In Maryland, continuation of medical plan coverage for a handicapped child beyond the age limit stated in the policy may require proof of the child's:

• A. Dependency for the first two years of continued coverage only
• B. Continued insurability
• C. Incapacity and dependency upon reaching the age limit
• D. Incapacity only

答案：C

解題說明：
Under Insurance Article, § 15-401, coverage for handicapped children extends beyond age limits if they're incapacitated (unable to work) and dependent on the insured at the age limit. Insurability isn't required, incapacity alone isn't enough, and dependency isn't time-limited to two years.
References:Maryland Insurance Article, § 15-401; MIA dependent coverage rules.

 

問題 #76
If an insurer pays an individual accident and health insurance claim during a policy's grace period:

• A. A 10% service fee is charged
• B. The policy is canceled automatically at the end of the grace period
• C. The deductible is waived
• D. The amount of unpaid premium may be subtracted from the reimbursement

答案：D

解題說明：
During the grace period (Insurance Article, § 15-209), insurers can deduct unpaid premiums from claims paid, maintaining coverage without waiving deductibles, charging fees, or auto-canceling.
References:Maryland Insurance Article, § 15-209; MIA policy payment rules.

 

問題 #77
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