Insurance Licensing InsNV_Health02 Exam Information and Actual Questions

  • Exam Code/Number: InsNV_Health02
  • Exam Name/Title: NV Accident and Health
  • Certification Provider: Insurance Licensing
  • Corresponding Certification: Nevada Insurance
  • Exam Questions: 132
  • Updated On: Aug 29, 2026

InsNV_Health02
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Insurance Licensing
InsNV_Health02 Exam
NV Accident and Health

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Insurance Licensing InsNV_Health02 Exam Overview:

Certification Vendor:Nevada Division of Insurance / Pearson VUE
Exam Name:NV Accident and Health
Exam Number:InsNV_Health02
Exam Duration:135 minutes
Available Languages:English
Real Exam Qty:98 (88 scored + 10 pretest)
Exam Price:USD 37
Related Certifications:Nevada Resident Insurance Producer License
Nevada Accident and Health Insurance Producer License
Certificate Validity Period:The examination must be passed within 1 year before applying for the Nevada resident producer license; the Health producer license is subject to the applicable Nevada license renewal period.
Exam Format:Two sections: General Knowledge and Nevada Specific, Multiple choice, Computer-based examination
Passing Score:70 scaled score
Sample Questions:Insurance Licensing InsNV_Health02 Sample Questions
Exam Way:Pearson VUE computer-based examination available at Pearson VUE test centers and through OnVUE online proctoring. Reservations should generally be made at least 24 hours in advance. The exam consists of 50 scored plus 5 pretest questions in the Accident & Health General Knowledge section and 38 scored plus 5 pretest questions in the Health Nevada Specific section.
Pre Condition:For a Nevada resident producer applying for the Health line of authority, the candidate must pass the corresponding Nevada Insurance Producer examination. Nevada currently states that prelicensing education is not required for individuals applying for a producer license, although applicants may choose to take a preparatory course. After passing, the license application must be submitted within one year. The Nevada Division of Insurance also requires applicable licensing application, fingerprinting, and background-check requirements.

Insurance Licensing InsNV_Health02 Exam Syllabus Topics:

SectionWeightObjectives
Topic 1: Nevada Statutes and Codes Common to Life and Health Insurance Only4%- Credit life and health insurance
- Advertising
- Group life and health insurance
  • 1. Eligible groups
    • 2. Required provisions
      Topic 2: Nevada Statutes and Codes Common to Life, Health, Property, and Casualty Insurance20%- Nevada Life and Health Insurance Guaranty Association
      - Licensing
      • 1. Obtaining a license
        • 2. Suspension, revocation, and refusal of license
          • 3. Termination of license
            • 4. Persons required to be licensed
              • 5. Renewal and continuing education
                • 6. Name of licensee
                  - Marketing Practices
                  • 1. Affordable Care Act
                    • 2. Commissions and payment restrictions
                      • 3. Required records and record retention
                        • 4. Unfair practices
                          • Unfair claims methods and practices and settlement of claims
                          • Rebating and inducement
                          • Twisting
                          • Misrepresentation
                          • Fraud
                          • Unfair discrimination
                          • Defamation
                        • 5. Fiduciary responsibilities
                          • 6. Silver State Health Insurance Exchange
                            - Definitions
                            • 1. Premiums
                              • 2. Transacting insurance
                                • 3. Cost-sharing
                                  • 4. Authorized and unauthorized
                                    • 5. Domestic, foreign, and alien
                                      • 6. Insurer
                                        • 7. Certificate of authority
                                          - Insurance Commissioner
                                          • 1. General powers and duties
                                            • 2. Examinations
                                              • 3. Notice and hearings and penalties
                                                Topic 3: Nevada Statutes and Codes Pertinent to Health Insurance Only14%- Mandatory policy clauses and provisions
                                                • 1. Coverage for preventive healthcare services
                                                  • 2. Coverage for newborn children
                                                    • 3. Coverage for physical handicap or intellectual disability for dependent children
                                                      - Hospice care
                                                      - Availability of coverage for mental health and treatment of alcohol abuse and drug abuse
                                                      - Medicare
                                                      • 1. Medicare supplement regulation
                                                        • 2. Medicare Advantage Plans
                                                          • 3. Prescription Drug Plan
                                                            - Coverage for reconstructive surgery
                                                            - Long Term Care
                                                            Topic 4: Accident & Health – General Knowledge50%- Policy Provisions, Clauses, and Riders
                                                            • 1. Mandatory and optional provisions
                                                              • Entire contract
                                                              • Time limit on certain defenses
                                                              • Grace period
                                                              • Reinstatement
                                                              • Notice of claim
                                                              • Claim forms
                                                              • Proof of loss
                                                              • Time of payment of claims
                                                              • Payment of claims
                                                              • Physical examination and autopsy
                                                              • Legal actions
                                                              • Change of beneficiary
                                                              • Misstatement of age or gender
                                                              • Change of occupation
                                                              • Illegal occupation
                                                              • Relation of earnings to insurance
                                                            • 2. Riders
                                                              • Impairment and exclusions
                                                              • Guaranteed insurability
                                                              • Future increase option
                                                            • 3. Other provisions and clauses
                                                              • Insuring clause
                                                              • Free look
                                                              • Consideration clause
                                                              • Probationary period
                                                              • Elimination period
                                                              • Waiver of premium
                                                              • Exclusions and limitations
                                                              • Preexisting conditions
                                                              • Coinsurance
                                                              • Deductibles
                                                              • Eligible expenses
                                                              • Copayments
                                                              • Pre-authorizations and prior approval requirements
                                                              • Usual, reasonable, and customary charges
                                                              • Lifetime, annual, or per cause maximum benefit limits
                                                            • 4. Rights of renewability
                                                              • Noncancelable
                                                              • Cancelable
                                                              • Guaranteed renewable
                                                            - Social Insurance
                                                            • 1. Social Security benefits
                                                              • 2. Medicaid
                                                                • 3. Medicare Parts A, B, C, and D
                                                                  - Types of Policies
                                                                  • 1. Other policies
                                                                    • Dental
                                                                    • Vision
                                                                    • Cancer
                                                                    • Critical illness or specified disease
                                                                    • Worksite employer-sponsored
                                                                    • Hospital indemnity
                                                                    • Short-term medical
                                                                    • Accident
                                                                  • 2. Individual and Group Long Term Care
                                                                    • Eligibility
                                                                    • Levels of care
                                                                  • 3. Accidental death and dismemberment
                                                                    • 4. Medical expense insurance
                                                                      • Basic hospital, medical, and surgical policies
                                                                      • Major medical policies
                                                                      • Health Maintenance Organizations
                                                                      • Preferred Provider Organizations
                                                                      • Point of Service plans
                                                                      • Flexible Spending Accounts
                                                                      • High Deductible Health Plans and Health Savings Accounts
                                                                      • Health Reimbursement Accounts
                                                                    • 5. Disability income
                                                                      • Individual disability income policy
                                                                      • Business overhead expense policy
                                                                      • Business disability buyout policy
                                                                      • Group disability income policy
                                                                      • Key employee policy
                                                                    • 6. Group insurance
                                                                      • Differences between individual and group contracts
                                                                      • General characteristics
                                                                      • COBRA
                                                                    • 7. Medicare supplement policies
                                                                      - Field Underwriting Procedures
                                                                      • 1. Sources of insurability and HIPAA privacy information
                                                                        • 2. Explaining policy provisions, riders, exclusions, and ratings
                                                                          • 3. Initial premium payment and receipt
                                                                            • 4. Submitting application and initial premium to company for underwriting
                                                                              • 5. Policy delivery
                                                                                • 6. Replacement
                                                                                  • 7. Completing the application
                                                                                    • 8. Contract law
                                                                                      • Elements of a contract
                                                                                      • Insurable interest
                                                                                      • Warranties and representations
                                                                                      • Unique aspects of the insurance contract
                                                                                    - Other Insurance Concepts
                                                                                    • 1. Cost containment
                                                                                      • 2. Modes of premium payments
                                                                                        • 3. Total, partial, recurrent, and residual disability
                                                                                          • 4. Owner's rights
                                                                                            • 5. Dependent children benefits
                                                                                              • 6. Managed care
                                                                                                • 7. Occupational vs. non-occupational
                                                                                                  • 8. Nonduplication and coordination of benefits
                                                                                                    • 9. Tax treatment of premiums and proceeds of insurance contracts
                                                                                                      • 10. Workers Compensation
                                                                                                        • 11. Primary and contingent beneficiaries
                                                                                                          • 12. Subrogation


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