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  3. Life, Accident & Health
  4. Individual Accident and Health Provisions

Free Individual Accident and Health Provisions Practice Questions

Hawaii Life, Accident & Health exam — 36 practice questions.

Subtopics: Noncancelable, Guaranteed renewable, Optionally renewable, Change of occupation, Misstatement of age, Preexisting condition, Relation of earnings to insurance, Intoxicants and narcotics, Insuring clause, Conditionally renewable, Required provisions, Reinstatement, Notice of claim, Claim forms, Proof of loss, Time of payment of claims, Payment of claims, Physical exam and autopsy, Legal actions, Change of beneficiary, Entire contract, Time limit on certain defenses, Optional provisions, Grace period, Pre-existing condition, Free-look provision, Coordination of benefits

Read the Individual Accident and Health Provisions study guide

Sample questions & answers

1. A health policy the insurer cannot cancel and on which premiums cannot be raised is classified as:

Noncancelable

A noncancelable policy guarantees renewal and a fixed premium, giving the insured the strongest protection.

2. A guaranteed renewable health policy means the insurer:

Must renew but may raise premiums only by class

A guaranteed renewable policy must be renewed but allows rate changes only for an entire class of insureds.

3. Under an optionally renewable health policy, the insurer may:

Decline renewal on dates specified in the policy

An optionally renewable policy lets the insurer decline renewal only on the dates the policy specifies.

4. The change of occupation provision allows the insurer to adjust benefits if the insured:

Moves to a more or less hazardous job

If the insured changes to a more or less hazardous occupation, benefits or premiums may be adjusted accordingly.

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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.