What is Health Insurance?
Health insurance (also called "Accident and Health" in NJ) covers medical expenses, lost income from disability, and other health-related costs. As a licensed producer, you'll help people find the right coverage to protect them when they get sick or injured.
This section covers everything you need to know for the health portion of the NJ exam - from how policies work to the specific NJ laws you'll be tested on.
Exam at a Glance
88
Questions
3.5
Hours
70%
To Pass
Exam Tip
You may see 5-15 extra "pretest" questions that do NOT count toward your score and do NOT count against your time. Don't stress if a question seems out of left field - it might be one of these.
Study Chapters
Field Underwriting Procedures
Contract law, insurability sources, applications, policy delivery, and replacement
Types of Health Policies
Medical expense, disability income, AD&D, long-term care, group insurance, limited benefit plans
Health Policy Provisions, Clauses & Riders
Mandatory and optional provisions, common riders
Social Insurance
Medicare, Medicaid, Social Security disability
Other Health Insurance Concepts
Additional health insurance topics and concepts
NJ Laws Common to All Lines
State regulation, licensing, producer requirements
NJ Laws - Accident & Health Only
NJ-specific health insurance regulations and requirements