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  4. Individual Accident and Health Provisions

Free Individual Accident and Health Provisions Practice Questions

Alabama Accident & Health exam — 60 practice questions.

Subtopics: Entire contract, Time limit on defenses, Grace period, Reinstatement, Notice of claim, Claim forms, Proof of loss, Payment of claims, Physical exam and autopsy, Legal actions, Change of beneficiary, Renewability - noncancelable, Time limit on certain defenses, Time of payment of claims, Change of occupation, Misstatement of age, Illegal occupation, Intoxicants and narcotics, Conformity with statutes, Insuring clause, Guaranteed renewable, Noncancelable, Conditionally renewable, Cancelable, Probationary period, Elimination period, Coinsurance, Free look provision, Consideration clause, Pre-existing condition provision, Sickness waiting period, Other insurance in this insurer, Insurance with other insurers, Other insurers per diem, Unpaid premium, Cancellation provision, Flat deductible, Per-cause deductible, All-cause deductible, Corridor deductible, Integrated deductible, Carryover provision, Common accident provision, Restoration of benefits, Benefit period medical, Lifetime maximum benefit, Assignment of benefits, Facility of payment, Period of coverage, Standard and optional provisions

Read the Individual Accident and Health Provisions study guide

Sample questions & answers

1. The entire contract provision in an individual health policy means:

The policy and attached application form the whole contract

The entire contract consists of the policy plus the attached application; the insurer cannot unilaterally alter it.

2. After a health policy has been in force for the stated period, the time limit on certain defenses provision:

Bars the insurer from voiding the policy for most misstatements

After the stated period, the insurer generally cannot void the policy or deny a claim for innocent misstatements.

3. The grace period in an individual health policy lets the insured:

Pay an overdue premium within a set time without losing coverage

The grace period allows payment of an overdue premium within a set number of days while coverage continues.

4. Under the reinstatement provision, a lapsed individual health policy that is reinstated generally covers sickness:

Beginning after a stated number of days (often 10)

After reinstatement, sickness is typically covered only after a short waiting period (commonly 10 days), while accidents are covered immediately.

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Practice: Individual Accident and Health Provisions

Take a randomized, timed-style practice test. Answer choices are shuffled and your results are scored instantly with an explanation for every question.

Practice questions are study aids generated for exam preparation and are not actual exam questions. Content is provided for educational purposes and is not legal advice. Verify current statutes, rules, and exam specifications with the Insurance Department and the exam administrator before relying on it.