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  4. Individual Accident and Health Provisions

Free Individual Accident and Health Provisions Practice Questions

Massachusetts Accident & Health exam — 55 practice questions.

Subtopics: Grace period, Reinstatement, Time limit on defenses, Proof of loss, Entire contract, Claim forms, Payment of claims, Time limit on certain defenses, Notice of claim, Time of payment of claims, Physical exam and autopsy, Legal actions, Change of beneficiary, Change of occupation, Misstatement of age, Illegal occupation, 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 that allows a health insurance premium to be paid after the due date without lapse is the:

Grace period

The grace period permits payment of an overdue premium within a set time while keeping the coverage in force.

2. To reinstate a lapsed individual health policy, the insured usually must:

Submit a reinstatement application and pay overdue premiums

Reinstatement generally requires an application, evidence of insurability, and payment of past-due premiums.

3. After a health policy has been in force for the stated period, the time limit on certain defenses generally prevents the insurer from:

Contesting the policy for misstatements except fraud

After the stated period, the insurer cannot void the policy or deny claims for innocent misstatements, except for fraud.

4. Under the standard proof-of-loss provision, the insured must submit written proof of loss:

Within the time stated in the policy after the loss

The proof-of-loss provision requires written proof within the period stated in the policy following the loss.

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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.