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  4. Individual Accident and Health Provisions

Free Individual Accident and Health Provisions Practice Questions

Connecticut Accident & Health exam — 60 practice questions.

Subtopics: Grace period, Reinstatement, Time limit on defenses, Entire contract, Free look, Notice of claim, Claim forms, Proof of loss, Time of payment of claims, Physical exam and autopsy, Legal actions, Change of beneficiary, 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 required provision that gives a health policyowner time after the due date to pay a premium before the policy lapses is the:

Grace period

The grace period allows additional time after the due date to pay a premium before the policy lapses.

2. Under the reinstatement provision of a health policy, if the insurer accepts a late premium without requiring an application, coverage is generally:

Reinstated

Acceptance of a late premium without a reinstatement application generally reinstates the lapsed health policy.

3. The time limit on certain defenses provision in a health policy limits the period during which the insurer may:

Contest the policy based on misstatements in the application

The time limit on certain defenses restricts how long the insurer can contest the policy based on application misstatements.

4. The entire contract provision in a health policy means that no change is valid unless it is:

Endorsed in writing and attached to the policy by an authorized officer

Changes to the entire contract must be in writing and endorsed by an authorized officer to be valid.

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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.