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Free Individual Accident and Health Provisions Practice Questions

Colorado Accident & Health exam — 60 practice questions.

Subtopics: Entire contract, Grace period, Reinstatement, Time limit on defenses, Notice of claim, Claim forms, Proof of loss, Time of payment of claims, Physical exam and autopsy, Legal actions, Change of beneficiary, Renewability, Time limit on certain defenses, 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 provides that the contract consists of:

The policy together with the attached application

The entire contract provision states the policy and the attached application form the whole agreement, and outside statements are not part of it.

2. The grace period provision in an individual health policy allows the insured to:

Pay an overdue premium within a set time without lapse

The grace period gives the insured a set time after the due date to pay a premium without the policy lapsing.

3. After a lapsed health policy is reinstated, coverage for a new sickness typically becomes effective:

After a short waiting period following reinstatement

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

4. The time limit on certain defenses (incontestability) provision restricts the insurer's right to:

Contest the policy for misstatements after it has been in force a stated period

After the policy has been in force for the stated period, the insurer generally cannot void it or deny a claim for misstatements in the application.

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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.