PracticeVideosBlogFlashcardsEspañol
All Practice Exams

Free Practice Questions for CNSF Actuario Accidentes y Enfermedades

Exam-style questions and explanations by OpenExamPrep.

✓ No registration✓ No credit card
100+ Questions
100% Free

Loading practice questions...

Same family resources

Explore More CNSF Actuarial Knowledge Accreditation Examinations (Acreditación de Conocimientos de Actuarios, Mexico)

Continue into nearby exams from the same family. Each card keeps practice questions, study guides, flashcards, videos, and articles in one place.

CNSF Acreditación Actuarial — Daños (Mexico)

Practice Questions

CNSF Acreditación Actuarial — Fianzas (Mexico)

Practice Questions

CNSF Acreditación Actuarial — Pensiones (Mexico)

Practice Questions

CNSF Acreditación Actuarial — Vida (Mexico)

Practice Questions

Sample CNSF Actuario Accidentes y Enfermedades Practice Questions

Try these sample questions to review concepts for the CNSF Actuario Accidentes y Enfermedades exam. Each question includes a detailed explanation. Start the interactive quiz above for the full 100+ question experience with AI tutoring.

1Under Article 25 of Mexico's Ley de Instituciones de Seguros y de Fianzas (LISF), what are the three recognized sub-branches (sub-ramos) that comprise the Operation of Accidents and Health (Operación de Accidentes y Enfermedades)?
A.Personal Accidents (Accidentes Personales), Major Medical Expenses (Gastos Médicos), and Health (Salud)
B.Occupational Injuries (Riesgos de Trabajo), Critical Illness, and Hospital Cash
C.Group Medical, Individual Medical, and Long-Term Care
D.Accidental Death, Disability Income, and Preventive Medicine
Explanation: LISF art. 25, fraction II, allows authorizations for the accident and health operation in one or more of three ramos: accidentes personales, gastos médicos and salud. Institutions authorized for the salud ramo (ISES) provide health services under contracts of that ramo and must obtain dictámenes from the Secretaría de Salud.
2According to CUSF Chapter 31.1 (specifically Section 31.1.2), what are the three distinct accreditation categories (categorías de acreditación) established by the CNSF for actuaries certifying operations in insurance institutions?
A.Preparation and signing of technical notes (I), actuarial methods and valuation of technical reserves (II), and Dynamic Solvency Testing (III)
B.Technical notes (I), dictamen on reserve sufficiency (II), and reinsurance (III)
C.Vida (I), accidentes y enfermedades (II), and daños (III)
D.Pricing (I), underwriting (II), and investments (III)
Explanation: CUSF 31.1.2 specifies that the accreditation granted by the CNSF covers three categories: Category I for the design and signing of technical notes (elaboración y firma de notas técnicas), Category II for actuarial methods and technical reserve valuation (métodos actuariales y valuación de reservas técnicas), and Category III for Dynamic Solvency Testing (Prueba de Solvencia Dinámica).
3Under CUSF Section 31.1.4, which academic credential issued by the Dirección General de Profesiones of the Secretaría de Educación Pública (SEP) is an indispensable statutory requirement to apply for or obtain CNSF actuarial accreditation?
A.Cédula Profesional as an Actuary (Actuario)
B.Cédula Profesional in Accounting or Public Finance
C.Master of Science degree in Financial Engineering or Quantitative Economics
D.Diploma as a Certified Insurance Risk Analyst
Explanation: CUSF 31.1.4 mandates that any candidate seeking actuarial accreditation from the CNSF must hold a valid Cédula Profesional in Actuaría issued by the SEP. Without an official actuarial license, a professional cannot sign technical notes, reserve valuations, or dynamic solvency tests in Mexico.
4Under CUSF Section 31.1.7 and Section 31.1.8, what is the maximum exam duration for the CNSF actuarial accreditation exam, and what materials are candidates permitted to bring into the exam session?
A.A maximum duration of 6 hours; reference books, scientific/financial calculators, and laptops are permitted, while mobile phones are prohibited
B.A maximum duration of 3 hours; closed book with only a standard four-function calculator provided by the proctors
C.A maximum duration of 8 hours; unrestricted internet access with mobile communication permitted during designated breaks
D.A maximum duration of 4 hours; only CNSF-provided printed formula sheets with personal laptops and books strictly barred
Explanation: CUSF 31.1.7 sets a maximum duration of 6 hours. CUSF 31.1.8 lets candidates use books, calculators and laptop computers, with scratch paper supplied by the supervisor on request, and prohibits mobile broadband devices and cell phones.
5Under CUSF Section 31.1.9, what is the minimum passing score that a candidate must achieve on the CNSF actuarial knowledge examination to be granted official accreditation?
A.70% of the total evaluated items
B.60% of the total evaluated items
C.80% of the total evaluated items
D.75% of the total evaluated items
Explanation: CUSF 31.1.9 explicitly specifies that to pass the actuarial accreditation examination and obtain the corresponding certification oficio, the candidate must answer correctly at least 70% of the total evaluated questions or examination points.
6Under CUSF Sections 31.1.11 and 31.1.12, what is the statutory validity period of the actuarial accreditation issued by the CNSF, and what is required for its renewal (refrendo)?
A.Valid for 2 years; renewal requires demonstrating at least 80 hours of accredited continuing professional education during the 2-year period
B.Valid for 1 year; renewal requires retaking the complete examination battery every calendar year
C.Valid for 3 years; renewal requires completing 120 credit hours of graduate university coursework
D.Valid indefinitely; renewal only requires the payment of an annual regulatory registry fee
Explanation: CUSF 31.1.11 establishes that the accreditation is valid for 2 years. Under CUSF 31.1.12, to obtain the renewal (refrendo) without resitting the examination, the actuary must accredit at least 80 hours of continuing professional education in relevant actuarial subjects during the two-year validity cycle.
7How do Instituciones de Seguros Especializadas en Salud (ISES) fundamentally differ from traditional insurance institutions writing Gastos Médicos Mayores under the LISF?
A.ISES are specialized health insurance institutions legally authorized to provide preventive, restorative, and maintenance healthcare through coordinated medical provider networks and clinical protocols
B.ISES are restricted to paying fixed daily hospital cash benefits with no clinical oversight or provider contracting
C.ISES operate under general mercantile law and are supervised directly by the Secretaría de Salud rather than the CNSF
D.ISES are mutual societies exempt from capital adequacy rules and technical reserve requirements
Explanation: Under the LISF, ISES are specialized health insurance entities with a managed care mandate: they cover preventive care, outpatient consultations, and restorative health through coordinated medical provider networks governed by clinical guidelines, differing from indemnity-based major medical insurers.
8Under the LISF, what health-authority requirement applies to an insurance institution authorized to operate the salud ramo (ISES)?
A.It must own at least two tertiary-level hospitals in every state where it operates
B.Its authorization application must include a provisional dictamen from the Secretaría de Salud showing it has the elements to provide the health services or will subcontract them, and each year it must file with its annual financial statements a Secretaría de Salud dictamen that it still has those elements
C.It must employ all physicians as salaried staff and may not contract external networks
D.It must sign an agreement giving it administrative access to IMSS hospitals
Explanation: Under the LISF, an application to operate the salud ramo must include a provisional dictamen from the Secretaría de Salud, no more than 60 days old, stating that the company has the elements needed to provide the health services under its contracts or that it will subcontract them; the final dictamen is due within 90 days of authorization. LISF art. 306 then requires ISES to file, with their annual financial statements, a Secretaría de Salud dictamen (no more than 90 days old) confirming they still have those elements.
9Under Article 40 of Mexico's Ley sobre el Contrato de Seguro (LCS), if a health or personal accident insurance policy does not specify a grace period, what is the default legal term for the payment of the premium?
A.30 natural days from the premium due date
B.15 business days from policy delivery
C.45 natural days from contract inception
D.60 business days from notice of arrears
Explanation: Article 40 of the LCS establishes that when no specific contractual payment term is agreed upon in the policy, a default grace period of thirty natural days following the premium due date applies before coverage ceases automatically.
10Under CUSF Disposition 31.2.1, who may prepare the dictamen on the situation and sufficiency of the technical reserves of an insurer writing accident and health lines?
A.An independent actuary with a professional cédula who holds current certification from the professional college for that purpose, or who accredits the necessary knowledge before the CNSF
B.The same actuary who prepared and signed the monthly reserve valuation
C.The institution's chief financial officer, if he or she holds an actuarial degree
D.A member of the board's executive committee with actuarial training
Explanation: CUSF 31.2.1 requires the dictamen on the situation and sufficiency of technical reserves to be prepared by an independent actuary with a professional cédula and either current certification from the professional college for that purpose or a CNSF accreditation for dictamen. Independence from the institution and from the valuation it reviews is essential to an objective opinion.

About the CNSF Actuario Accidentes y Enfermedades Exam

Independent CNSF Actuario Accidentes y Enfermedades practice by OpenExamPrep. The CNSF knowledge accreditation for actuaries in Accident and Health (Campo Básico III: Accidentes y Enfermedades) is granted by category (technical notes, reserve methods and valuation, and the Prueba de Solvencia Dinámica), each through a Spanish, computer-based, open-book exam of up to 6 hours under CUSF Chapter 31.1; the dictamen on reserve sufficiency has its own two-part exam under Chapter 31.2. These questions cover Mexican health insurance regulation (LISF, LSCS, CUSF Titles 4 and 5), product pricing for personal accident, medical expenses (Gastos Médicos Mayores - GMM) and health (Salud), medical inflation trends, deductible and coinsurance mechanics, best-estimate reserves, IBNR claims triangulation, and the Requerimiento de Capital de Solvencia (RCS). This is an English-language MCQ study adaptation, not an official translation or a simulation of the CNSF exam.

Exam sponsor: Comisión Nacional de Seguros y Fianzas (CNSF), Dirección General de Supervisión Actuarial. The requirements and fees below concern the certification or admission exam, separate from our free practice resources.

Assessment

The CNSF accredits each category separately for each campo básico (CUSF 31.1.2 and 31.1.11): technical notes, reserve methods and valuation, and the Prueba de Solvencia Dinámica, each through its own computer-based exam of up to 6 hours. The dictamen on reserve sufficiency is a separate two-part accreditation under Chapter 31.2 (up to 8 and 6 hours). The 2026 calendar offers all four for Accidentes y Enfermedades.

Time Limit

6 hours maximum

Passing Score

At least 70% of total formulated items (CUSF Disposition 31.1.9)

Exam / Certification Fees

MXN 2,246 in 2026 under the CNSF payment catalog

Exam sponsor website

Fees, eligibility, and exam policies can change. Confirm them with the exam sponsor before applying or paying.

Official sources

Our practice resources: topics covered

We aim to reflect publicly available exam outlines and topic information in our study resources. Coverage, format, and difficulty may differ from the actual exam, and we cannot guarantee that every detail is accurate or current. Confirm exam requirements, fees, and policies with the official exam sponsor.

20% of practice bank

Marco Normativo y Función Actuarial de Accidentes y Enfermedades

LISF, LSCS, CUSF governance standards, health institution requirements (Instituciones de Seguros Especializadas en Salud - ISES), technical audit, and market conduct

30% of practice bank

Primas y Registro de Notas Técnicas de AP, GMM y Salud

CUSF Title 4 requirements for health technical notes, morbidity modeling, loss frequency and severity distributions, medical inflation trends, deductibles, coinsurance, stop-loss limits, and risk premium calculation

30% of practice bank

Reservas Técnicas de Accidentes y Enfermedades

CUSF Title 5 chapters 5.1 to 5.5, 5.7, 5.13, 5.17, Best Estimate Liabilities (BEL) for unexpired risks, pending claims reserves, IBNR estimation (Chain Ladder, Bornhuetter-Ferguson), and health risk margin

20% of practice bank

Reaseguro, RCS y Prueba de Solvencia Dinámica en Salud

Proportional and non-proportional health reinsurance (excess of loss, stop loss), retention limits (CUSF 9.1), the Requerimiento de Capital de Solvencia (premium and reserve risks and catastrophic risks from epidemics or extreme events under CUSF 6.3.1, measured as a 99.5% one-year VaR), own-funds tiers, and the Prueba de Solvencia Dinámica (CUSF 7.2)

Preparing for the CNSF Actuario Accidentes y Enfermedades Exam

What You Need to Know

  • Passing score: At least 70% of total formulated items (CUSF Disposition 31.1.9)
  • Assessment: The CNSF accredits each category separately for each campo básico (CUSF 31.1.2 and 31.1.11): technical notes, reserve methods and valuation, and the Prueba de Solvencia Dinámica, each through its own computer-based exam of up to 6 hours. The dictamen on reserve sufficiency is a separate two-part accreditation under Chapter 31.2 (up to 8 and 6 hours). The 2026 calendar offers all four for Accidentes y Enfermedades.
  • Time limit: 6 hours maximum
  • Exam / certification fees: MXN 2,246 in 2026 under the CNSF payment catalog Official sources

Using Our Practice Resources

  • Work through all 100 available questions
  • Review every answer and explanation
  • Track weak areas and revisit them
  • Use our AI tutor for tough concepts

CNSF Actuario Accidentes y Enfermedades: Suggested Study Strategy

1Master the mathematical interaction between deductibles, coinsurance percentages, and out-of-pocket maximum caps (tope de coaseguro) in GMM policies.
2Review claims triangulation techniques: calculate development factors, cumulative development factors, and ultimate loss estimates using Chain Ladder and Bornhuetter-Ferguson methods.
3Study CUSF Title 4 requirements for registering GMM technical notes, including medical inflation adjustments, age-band pricing curves, and gender-specific morbidity differentials.
4Understand how the Mexican RCS treats accident and health risks: premium and reserve risks plus catastrophic risks from epidemics or extreme events (CUSF 6.3.1), measured as a 99.5% one-year VaR with the CNSF's system rather than EU-style fixed lapse or expense shocks.

Frequently Asked Questions

What areas of insurance are included in the Accidentes y Enfermedades accreditation?

LISF art. 25, fraction II, divides the accident and health operation into three ramos: accidentes personales, gastos médicos and salud. The salud ramo may be practiced only by institutions authorized exclusively for it (the ISES), which may also be authorized for gastos médicos and accidentes personales (LISF art. 26).

What is the format and duration of the exam?

Under CUSF Dispositions 31.1.7 and 31.1.8, each exam lasts up to 6 hours and is taken in person on computers at CNSF facilities. Candidates may use books, calculators and laptop computers, and may ask the supervisor for scratch paper; cell phones and mobile broadband devices are prohibited.

What score is required to pass and what is the credential's validity?

Candidates need at least 70% of the items formulated (CUSF 31.1.9). The oficio de acreditación is valid for 2 years (31.1.11). Refrendo requires at least 80 hours of continuing education over the two years, including a 6-hour regulatory update course, with at least 80% in evaluated courses, filed at least 10 business days before expiry (31.1.12).

How are technical reserves modeled for Mexican health insurance?

Under CUSF Title 5, the reserva de riesgos en curso and the reserva para obligaciones pendientes de cumplir each equal a best estimate plus a risk margin (CUSF 5.1.3 and 5.2.3). The best estimate discounts expected cash flows at the risk-free curves of the institution's price vendor, the pending-claims reserve includes claims incurred but not reported, often estimated with triangle methods such as chain ladder or Bornhuetter-Ferguson, and reserve methods must be registered with the CNSF and back-tested every year (CUSF 5.5).

Is this practice bank an official CNSF exam simulation?

No. The official exams are taken in Spanish under CNSF supervision. This bank is an independent English-language MCQ study adaptation, not an official translation or a simulation of the CNSF exam.