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  4. Individual Accident and Health Provisions

Free Individual Accident and Health Provisions Practice Questions

Minnesota Life, Accident & Health exam — 36 practice questions.

Subtopics: Mandatory provisions, Time limit on certain defenses, Claim forms, Misstatement of age, Optional renewability, Unpaid premium, Illegal occupation, Change of occupation, Conformity with state statutes, Insuring clause, Required provisions, Reinstatement, Notice of claim, Proof of loss, Time of payment of claims, Payment of claims, Physical exam and autopsy, Legal actions, Change of beneficiary, Entire contract, Optional provisions, Grace period, Guaranteed renewable, Noncancelable, Optionally renewable, Conditionally renewable, Pre-existing condition, Free-look provision, Relation of earnings to insurance, Intoxicants and narcotics, Coordination of benefits

Read the Individual Accident and Health Provisions study guide

Sample questions & answers

1. The entire contract provision in a health policy states that the policy includes what?

Only verbal promises

The entire contract provision states the policy, endorsements, and attached application together make up the entire contract.

2. The time limit on certain defenses provision in a health policy is most similar to which life provision?

The incontestability clause

The time limit on certain defenses limits the insurer's ability to contest a health policy after a set period, similar to a life policy's incontestability clause.

3. Under the claim forms provision if the insurer does not supply claim forms within the stated time the insured may do what?

Submit proof of loss in any reasonable written form

If the insurer fails to furnish claim forms within the stated time, the insured may submit written proof of loss in any reasonable form.

4. If an insured understated his or her age on a health policy the insurer generally may do what?

Adjust benefits to what the premium would have purchased at the correct age

The misstatement of age provision lets the insurer adjust benefits to the amount the premium paid would have purchased at the correct age.

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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.