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  4. Individual Accident and Health Provisions

Free Individual Accident and Health Provisions Practice Questions

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

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

Read the Individual Accident and Health Provisions study guide

Sample questions & answers

1. The insuring clause of a health insurance policy:

States the insurer's basic promise to pay for covered losses

The insuring clause sets out the insurer's basic promise to provide the coverage described in the policy.

2. The consideration clause in a health policy refers to:

The premium paid and the statements in the application

The consideration clause describes what each party gives: the insured's premium and application statements in exchange for the insurer's promise.

3. Unless otherwise directed, health policy benefits for covered medical expenses are generally paid to:

The insured or an assigned provider

Benefits are generally payable to the insured, or to a provider when benefits have been properly assigned.

4. If an insured understated their age on a health insurance application, the insurer may:

Adjust benefits to what the premium would have purchased at the correct age

The misstatement of age provision adjusts benefits to the amount the premium would have bought at the insured's true age.

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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.