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Free Individual Accident and Health Provisions Practice Questions

North Carolina Accident & Health exam — 58 practice questions.

Subtopics: Entire contract, Grace period, Reinstatement, Notice of claim, Proof of loss, Time of payment of claims, Physical exam, Legal actions, Change of beneficiary, Insuring clause, Time limit on certain defenses, Claim forms, Physical exam and autopsy, Payment of claims, Change of occupation, Misstatement of age, Illegal occupation, Intoxicants and narcotics, Conformity with statutes, 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 entire contract provision in an individual health policy means:

The policy and attached application constitute the whole agreement

The entire contract provision states that the policy, endorsements, and the attached application make up the complete contract; nothing can be incorporated by reference outside it.

2. The grace period in an individual health policy is the time after the premium due date during which:

Coverage continues while the overdue premium may be paid

During the grace period, the policy stays in force and the policyholder may pay the overdue premium without a lapse in coverage.

3. Under the reinstatement provision, when a lapsed health policy is reinstated, coverage for sickness generally:

Resumes after a short waiting period, such as ten days

When a health policy is reinstated, accident coverage usually applies immediately while sickness coverage typically applies after a short waiting period (commonly ten days).

4. The notice of claim provision typically requires the insured to notify the insurer of a loss within:

A specified period such as 20 days

The standard notice of claim provision requires the insured to give written notice of a claim within a stated time (commonly 20 days) after a covered loss begins.

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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.