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Free Individual Accident and Health Provisions Practice Questions

Minnesota Accident & Health exam — 60 practice questions.

Subtopics: Free look, Grace period, Reinstatement, Notice of claim, Proof of loss, Time payment of claims, Physical exam and autopsy, Legal actions, Change of beneficiary, Renewability, Pre-existing conditions, Coordination of benefits, Entire contract, Time limit on certain defenses, Claim forms, Time of payment of claims, Payment of claims, 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 giving a health policyowner time to examine a new policy and return it for a refund is called what?

Free look provision

The free look provision lets the policyowner examine a new health policy for a set number of days and return it for a full refund if not satisfied.

2. The grace period in a health insurance policy allows what?

Payment of an overdue premium without loss of coverage

The grace period gives the insured time after the premium due date to pay without the policy lapsing.

3. Under the reinstatement provision a lapsed health policy that is reinstated generally covers sickness only after what?

A stated waiting period such as ten days

Upon reinstatement, accidents are typically covered immediately while sickness is covered only after a short waiting period, commonly ten days.

4. The notice of claim provision requires the insured to do what?

Notify the insurer of a claim within a stated time

The notice of claim provision requires the insured to notify the insurer of a loss within a specified period, commonly 20 days.

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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.