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  4. Individual Accident and Health Provisions

Free Individual Accident and Health Provisions Practice Questions

Iowa Accident & Health exam — 60 practice questions.

Subtopics: Time limit on defenses, Grace period, Reinstatement, Notice of claim, Proof of loss, Time of payment of claims, Physical exam and autopsy, Legal actions, Entire contract, Illegal occupation, Claim forms, Change of beneficiary, Time limit on certain defenses, Payment of claims, Change of occupation, Misstatement of age, 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 provision limiting the time an insurer may contest a health policy or deny a claim for misstatements is the:

Time limit on certain defenses (incontestable) provision

The time limit on certain defenses limits how long the insurer may contest the policy or deny claims for misstatements.

2. The grace period in an individual health insurance policy:

Gives extra time to pay a past-due premium before the policy lapses

The grace period gives the insured additional time to pay an overdue premium before the policy lapses.

3. Under the reinstatement provision, if the insurer accepts a late premium without requiring a new application, the policy is:

Reinstated

Accepting a late premium without requiring an application generally reinstates the lapsed health policy.

4. The notice of claim provision in a health policy generally requires the insured to:

Give the insurer written notice of a claim within a stated time

The notice of claim provision requires written notice to the insurer within the time stated in the policy.

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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.