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Free Individual Accident and Health Provisions Practice Questions

Louisiana Accident & Health exam — 60 practice questions.

Subtopics: Grace period, Reinstatement, Pre-existing conditions, Time limit on defenses, Notice of claim, Proof of loss, Payment of claims, Physical exam and autopsy, Legal actions, Guaranteed renewable, Noncancelable, Change of beneficiary, Entire contract, Time limit on certain defenses, Claim forms, Time of payment of claims, Change of occupation, Misstatement of age, Illegal occupation, Intoxicants and narcotics, Conformity with statutes, Insuring clause, 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 grace period in an individual health policy is the time after the premium due date during which:

The policy stays in force and the premium may still be paid

During the grace period, coverage continues and the overdue premium may still be paid to avoid lapse.

2. If a lapsed individual health policy is reinstated, losses due to sickness are generally covered:

After a short waiting period (often about 10 days) following reinstatement

Reinstated policies commonly impose a brief waiting period before sickness losses are covered, while accidents are covered at once.

3. A pre-existing condition provision in an individual health policy generally addresses:

Conditions for which the insured received care before the policy began

A pre-existing condition provision deals with conditions treated or manifested before coverage began, which may be limited for a period.

4. The time limit on certain defenses provision is most similar to which life insurance concept?

The incontestability clause

After the stated period, the insurer generally cannot void the policy or deny claims for misstatements, much like incontestability.

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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.