AD Banker Comprehensive Practice Exam

Which of the following are included in Part I of a Health Insurance Application?

1. The gender of the applicant

2. Medical background

3. Family health history

4. Present health

The correct answer is: The gender of the applicant

The first part of a Health Insurance Application, often referred to as Part I, typically focuses on the applicant's personal information and demographics. This includes details such as the applicant's name, age, gender, address, and occupation. Therefore, the gender of the applicant is included in Part I because it helps the insurer assess risk and determine rates based on statistical data related to gender. In contrast, the other choices pertain to health-related information, which are typically examined in Part II of the application. This part would include medical history, family health history, and present health conditions, as these factors are crucial in evaluating the individual's existing health status and potential risks. Thus, while medical background, family health history, and present health are all important elements of the application process, they are not included in the first part.