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Free Individual Accident and Health Provisions Practice Questions

Mississippi Accident & Health exam — 60 practice questions.

Subtopics: Free look, Grace period, Reinstatement, Time limit on defenses, Notice of claim, Proof of loss, Physical exam and autopsy, Legal actions, Payment of claims, Probationary period, Elimination period, Change of beneficiary, Entire contract, Time limit on certain defenses, Claim forms, Time of 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, 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. Most individual accident and health policies must give the insured a right to examine and return the policy for a refund, commonly called the:

Free-look (right to return) provision

The free-look provision lets the insured examine a newly issued policy and return it for a refund within the stated period.

2. The provision allowing an A&H policyowner additional time to pay a past-due premium before the policy lapses is the:

Grace period

The grace period gives the policyowner extra time after the due date to pay before coverage lapses.

3. Under the standard reinstatement provision of a health policy, coverage for sickness generally becomes effective:

After a stated waiting period, often 10 days, following reinstatement

On reinstatement, accident coverage is generally immediate while sickness coverage commonly begins after a short waiting period such as 10 days.

4. The time limit on certain defenses provision in a health policy primarily limits the insurer's ability to:

Contest the policy based on statements after it has been in force a set time

This provision restricts the insurer from contesting the policy or denying claims for prior statements after the policy has been in force for the 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.