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  4. Individual Accident and Health Provisions

Free Individual Accident and Health Provisions Practice Questions

Arkansas Accident & Health exam — 60 practice questions.

Subtopics: Free look duration, Grace period, Reinstatement, Proof of loss, Time of payment of claims, Physical exam and autopsy, Legal actions, Change of beneficiary, Insuring clause, Pre-existing conditions, Probationary period, Noncancelable, Entire contract, Time limit on certain defenses, Notice of claim, Claim forms, Payment of claims, Change of occupation, Misstatement of age, Illegal occupation, Intoxicants and narcotics, Conformity with statutes, Guaranteed renewable, Conditionally renewable, Cancelable, 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. Many individual accident and health policies must give the insured a free-look period of at least:

10 days to examine and return the policy

Individual accident and health policies commonly provide at least a 10-day free-look period to examine and return the policy.

2. The grace period in an individual health policy is the time after a premium due date during which:

The policy stays in force if the overdue premium is paid

During the grace period the policy remains in force as long as the overdue premium is paid.

3. When a lapsed individual health policy is reinstated, a new waiting period may apply to:

Sickness beginning after reinstatement, while accidents are typically covered at once

Upon reinstatement, sickness is typically covered only after a short waiting period, while accidents are usually covered immediately.

4. The proof of loss provision generally requires the insured to:

Submit written proof of a claim within a stated time

The proof of loss provision requires the insured to file written proof of a claim within the time stated in the policy.

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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 Pennsylvania Insurance Department and the exam administrator before relying on it.