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  4. Individual Accident and Health Provisions

Free Individual Accident and Health Provisions Practice Questions

Montana Accident & Health exam — 60 practice questions.

Subtopics: Free look, Grace period, Reinstatement, Pre-existing conditions, Time of payment of claims, Proof of loss, Physical exam and autopsy, Legal actions, Change of occupation, Guaranteed renewable, Noncancelable, Entire contract, Time limit on certain defenses, Notice of claim, Claim forms, Payment of claims, Change of beneficiary, Misstatement of age, Illegal occupation, Intoxicants and narcotics, Conformity with statutes, Insuring clause, 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. Most individual health policies in Montana must give the insured a free-look period to:

Examine and return the policy for a refund within a set number of days

The free-look period lets the insured examine and return the policy for a refund within the stated number of days.

2. The grace period in an individual health policy:

Allows additional time to pay a premium before the policy lapses

The grace period gives the insured added time to pay a premium before the policy lapses.

3. Under the reinstatement provision, losses from sickness are generally covered:

After a stated number of days following reinstatement

After reinstatement, sickness losses are generally covered after a stated number of days.

4. A pre-existing condition provision in an individual health policy generally:

Limits coverage for conditions that existed before the policy began

A pre-existing condition provision limits coverage for conditions that existed before the policy began.

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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.