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  4. Individual Accident and Health Provisions

Free Individual Accident and Health Provisions Practice Questions

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

Subtopics: Insuring clause, Exclusions, Consideration clause, Optional provisions, Change of occupation, Misstatement of age health, Illegal occupation, Relation of earnings to insurance, Unpaid premium, Conformity with statutes, 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, Grace period, Guaranteed renewable, Noncancelable, Optionally renewable, Conditionally renewable, Pre-existing condition, Free-look provision, Misstatement of age, Intoxicants and narcotics, Coordination of benefits

Read the Individual Accident and Health Provisions study guide

Sample questions & answers

1. The provision in a health policy that states the insurer's basic promise to pay for covered losses is called what?

Insuring clause

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

2. Specific causes of loss listed as not covered in a health policy are found in which provision?

Exclusions

Exclusions identify the losses, conditions, or situations that the policy does not cover.

3. In a health policy, the consideration clause generally identifies what?

The premium amount and the applicant's statements

The consideration clause describes what each party gives, including the premium and the applicant's statements.

4. Provisions such as the change of occupation clause in a health policy are best described as what?

Optional provisions an insurer may include

Certain uniform provisions, like change of occupation, are optional provisions an insurer may elect to include.

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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.