Exam Code: InsNV_Health02
Exam Name: NV Accident and Health
Certification Provider: Insurance Licensing
Corresponding Certification: Nevada Insurance

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Updated: Aug 13, 2026

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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
Related Certifications:	Nevada Resident Insurance Producer License Nevada Accident and Health Insurance Producer License
Real Exam Qty:	98 (88 scored + 10 pretest)
Exam Price:	USD 37
Available Languages:	English
Exam Duration:	135 minutes
Exam Format:	Multiple choice, Computer-based examination, Two sections: General Knowledge and Nevada Specific
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.
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:

Section	Weight	Objectives
Topic 1: Nevada Statutes and Codes Common to Life and Health Insurance Only	4%	- Advertising - Group life and health insurance 1. Required provisions 2. Eligible groups - Credit life and health insurance
Topic 2: Nevada Statutes and Codes Common to Life, Health, Property, and Casualty Insurance	20%	- Marketing Practices 1. Silver State Health Insurance Exchange 2. Affordable Care Act 3. Fiduciary responsibilities 4. Required records and record retention 5. Unfair practices Unfair claims methods and practices and settlement of claims Rebating and inducement Twisting Misrepresentation Fraud Unfair discrimination Defamation 6. Commissions and payment restrictions - Licensing 1. Suspension, revocation, and refusal of license 2. Persons required to be licensed 3. Renewal and continuing education 4. Name of licensee 5. Obtaining a license 6. Termination of license - Nevada Life and Health Insurance Guaranty Association - Insurance Commissioner 1. General powers and duties 2. Examinations 3. Notice and hearings and penalties - Definitions 1. Domestic, foreign, and alien 2. Cost-sharing 3. Certificate of authority 4. Transacting insurance 5. Authorized and unauthorized 6. Premiums 7. Insurer
Topic 3: Nevada Statutes and Codes Pertinent to Health Insurance Only	14%	- Long Term Care - Availability of coverage for mental health and treatment of alcohol abuse and drug abuse - Coverage for reconstructive surgery - Medicare 1. Medicare supplement regulation 2. Prescription Drug Plan 3. Medicare Advantage Plans - Hospice care - Mandatory policy clauses and provisions 1. Coverage for newborn children 2. Coverage for preventive healthcare services 3. Coverage for physical handicap or intellectual disability for dependent children
Topic 4: Accident & Health – General Knowledge	50%	- Policy Provisions, Clauses, and Riders 1. 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 2. Riders Impairment and exclusions Guaranteed insurability Future increase option 3. Rights of renewability Noncancelable Cancelable Guaranteed renewable 4. 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 - Types of Policies 1. Group insurance Differences between individual and group contracts General characteristics COBRA 2. Accidental death and dismemberment 3. Other policies Dental Vision Cancer Critical illness or specified disease Worksite employer-sponsored Hospital indemnity Short-term medical Accident 4. Medicare supplement policies 5. Disability income Individual disability income policy Business overhead expense policy Business disability buyout policy Group disability income policy Key employee policy 6. Individual and Group Long Term Care Eligibility Levels of care 7. 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 - Other Insurance Concepts 1. Occupational vs. non-occupational 2. Nonduplication and coordination of benefits 3. Dependent children benefits 4. Cost containment 5. Primary and contingent beneficiaries 6. Owner's rights 7. Workers Compensation 8. Subrogation 9. Total, partial, recurrent, and residual disability 10. Tax treatment of premiums and proceeds of insurance contracts 11. Managed care 12. Modes of premium payments - Social Insurance 1. Medicare Parts A, B, C, and D 2. Social Security benefits 3. Medicaid - Field Underwriting Procedures 1. Explaining policy provisions, riders, exclusions, and ratings 2. Contract law Elements of a contract Insurable interest Warranties and representations Unique aspects of the insurance contract 3. Submitting application and initial premium to company for underwriting 4. Sources of insurability and HIPAA privacy information 5. Initial premium payment and receipt 6. Policy delivery 7. Replacement 8. Completing the application

Insurance Licensing NV Accident and Health Sample Questions:

1. All insurance companies and producers who sell Group Life or Accident and Health policies in Nevada MUST:

A) obtain a receipt when delivering individual certificates to insureds
B) deliver a policy to each insured member of a group
C) notify the Commissioner when individual certificates have been issued
D) deliver to the policyholder individual certificates for all insureds

2. An insured has a $1,000 deductible and then pays 20% of covered medical expenses, while the insurer pays
80%. What is the insured's 20% share called?

A) Stop-loss benefit
B) Elimination period
C) Copayment
D) Coinsurance

3. Group health policies MUST provide which of the following benefits?

A) Cosmetic surgery
B) Adult dental care
C) Hospice care
D) Adult vision care

4. Which of the following statements is CORRECT about the Medicaid program?

A) Participants must be at least 55 years of age.
B) The program is administered at the federal level.
C) It provides medical assistance for participants who are blind.
D) It is supplemented by Medicare for persons 62 years of age or older.

5. Which person is the measuring life whose survival determines the timing and duration of annuity payments?

A) Beneficiary
B) Producer
C) Annuitant
D) Policyowner

Solutions:

Question # 1
Answer: D

Question # 2
Answer: D

Question # 3
Answer: C

Question # 4
Answer: C

Question # 5
Answer: C

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