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  4. Individual Accident and Health Provisions

Free Individual Accident and Health Provisions Practice Questions

Arizona Accident & Health exam — 55 practice questions.

Subtopics: Grace period, Reinstatement, Incontestability, Notice of claim, Proof of loss, Physical exam and autopsy, Legal actions, Entire contract, Time limit on certain defenses, Claim forms, Time of payment of claims, Payment of claims, Change of beneficiary, 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 grace period in an individual health policy allows the insured to:

Pay an overdue premium while coverage remains in force

During the grace period, an overdue premium may be paid and coverage stays in force, preventing an unintended lapse.

2. When a lapsed individual health policy is reinstated, coverage commonly resumes such that:

Sickness is covered after a short waiting period while accidental injuries are typically covered immediately

On reinstatement, accidental injury coverage usually resumes at once while sickness is covered after a brief waiting period.

3. After an individual health policy has been in force for the time stated, the incontestable provision generally prevents the insurer from:

Voiding the policy for misstatements except fraud

After the contestable period, the insurer generally cannot void the policy for misstatements on the application, except for fraud where allowed.

4. The notice of claim provision typically requires the insured to notify the insurer of a loss:

Within a specified number of days after the loss

Notice of claim requires the insured to inform the insurer of a loss within the period the policy specifies.

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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.