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Free Individual Accident and Health Provisions Practice Questions

Maryland Accident & Health exam — 60 practice questions.

Subtopics: Entire contract, Grace period, Reinstatement, Notice of claim, Claim forms, Proof of loss, Time of payment of claims, Payment of claims, Physical exam and autopsy, Legal actions, Renewability - guaranteed, Renewability - noncancelable, Time limit on certain defenses, 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 Entire Contract provision in a health policy means the contract consists of:

The policy and the attached application

Under the Entire Contract provision, the policy and the attached application constitute the whole agreement; nothing may be incorporated later by reference.

2. The grace period in an individual health policy allows the insured to:

Pay an overdue premium without losing coverage

The grace period gives the insured additional time after the due date to pay the premium while coverage remains in force.

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

After a short waiting period (commonly 10 days)

On reinstatement, sickness is typically covered only after a brief waiting period (often 10 days), while accidents are usually covered immediately.

4. The Notice of Claim provision requires the insured to notify the insurer of a loss generally:

Within a set time, such as 20 days

The insured must give notice of a claim within the time stated (commonly 20 days, or as soon as reasonably possible).

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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.