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Free Individual Accident and Health Provisions Practice Questions

Michigan Accident & Health exam — 56 practice questions.

Subtopics: Entire contract, Grace period, Reinstatement, Time limit on defenses, Notice of claim, Proof of loss, Physical exam, Legal actions, Time limit on certain defenses, Claim forms, Time of payment of claims, Physical exam and autopsy, Payment of claims, 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 stating the policy and attached application constitute the entire agreement is the:

Entire contract provision

The entire contract provision states the policy and attached application form the whole agreement.

2. The mandatory grace period in an individual health policy allows premium payment after the due date without:

Loss of coverage

The grace period allows late premium payment within a set time without the policy lapsing.

3. When a lapsed individual health policy is reinstated, coverage for sickness typically begins after:

A 10-day waiting period

Reinstated coverage typically covers sickness only after a short waiting period (often 10 days) to deter adverse selection.

4. The provision limiting when an insurer can contest a health policy for misstatements is the:

Time limit on certain defenses (incontestability)

The time limit on certain defenses restricts the insurer's ability to contest the policy after a stated period.

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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.