California Insurance License Exam Practice Test Practice Question
What MUST be completed before an insurer is permitted to test an individual for HIV?
Correct Answer: A
Rationale: Before testing an individual for HIV, obtaining a consent form is essential. This ensures that the individual is aware of the test and agrees to it, respecting their autonomy and privacy rights.
Underwriting (B) involves evaluating risk but does not specifically address the necessity of consent. Policy delivery (C) occurs after underwriting and testing, making it irrelevant at this stage. A medical examination (D) may include various tests, but without prior consent, conducting any test, including for HIV, would be unethical and potentially illegal. Thus, consent is the foundational step before any testing can occur.
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