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Free Individual Accident and Health Provisions Practice Questions

Delaware Accident & Health exam — 60 practice questions.

Subtopics: Time limit on defenses, Grace period, Reinstatement, Notice of claim, Proof of loss, Physical exam and autopsy, Legal actions, Free look, Guaranteed renewable, Noncancelable, Pre-existing condition, Payment of claims, Entire contract, Time limit on certain defenses, Claim forms, Time of payment of claims, Change of beneficiary, Change of occupation, Misstatement of age, Illegal occupation, Intoxicants and narcotics, Conformity with statutes, Insuring clause, 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 Time Limit on Certain Defenses provision in an individual health policy generally:

Prevents the insurer from contesting most misstatements after a set period

After the stated period, this provision bars the insurer from contesting the policy for most misstatements, similar to incontestability.

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

The policy remains in force and the premium may still be paid

During the grace period the coverage stays in force, giving the insured additional time to pay the overdue premium.

3. When a lapsed individual health policy is reinstated, losses due to sickness are generally covered:

After a short waiting period following reinstatement

Reinstated health policies commonly cover sickness only after a brief waiting period while accidental injury is covered at once.

4. The Notice of Claim provision generally requires the insured to:

Notify the insurer of a claim within a stated time after a loss

The insured must give the insurer notice of a claim within the time stated in the policy after a covered loss begins.

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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.