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Free Individual Accident and Health Provisions Practice Questions

Kentucky Accident & Health exam — 60 practice questions.

Subtopics: Free look, Grace period, Reinstatement, Time limit on defenses, Entire contract, Proof of loss, Payment of claims, Physical exam and autopsy, Legal actions, Misstatement of age, Probationary period, Guaranteed renewable, Time limit on certain defenses, Notice of claim, Claim forms, Time of payment of claims, Change of beneficiary, Change of occupation, Illegal occupation, Intoxicants and narcotics, Conformity with statutes, Insuring clause, Noncancelable, Conditionally renewable, Cancelable, 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 allowing a newly issued individual health policyowner to return the policy within a stated number of days for a full refund is the:

Free-look (right to examine) provision

The free-look (right to examine) provision lets the owner return the new policy within the stated period for a refund.

2. After a premium due date passes, the period during which an individual health policy stays in force so the insured can still pay is the:

Grace period

The grace period keeps the policy in force for a limited time after the due date so the premium can still be paid.

3. To reinstate a lapsed individual health policy, an insurer commonly requires the insured to:

Submit a reinstatement application and overdue premium, possibly with evidence of insurability

Reinstatement of a lapsed health policy generally requires an application and payment of overdue premium, and may require evidence of insurability.

4. The time limit on certain defenses provision in an individual health policy functions much like a life policy's:

Incontestability clause

The time limit on certain defenses limits the insurer's ability to contest the policy after a set period, similar to a life policy's incontestability clause.

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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 Pennsylvania Insurance Department and the exam administrator before relying on it.