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  4. Individual Accident and Health Provisions

Free Individual Accident and Health Provisions Practice Questions

North Dakota Accident & Health exam — 48 practice questions.

Subtopics: Entire contract, Time limit on certain defenses, Reinstatement, Notice of claim, Claim forms, Proof of loss, Time of payment of claims, Physical exam and autopsy, Legal actions, Payment of claims, Change of beneficiary, 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, Grace period, 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 a health policy means:

The policy and attached application form the whole agreement

The entire contract consists of the policy and the attached application; outside statements are not incorporated.

2. The Time Limit on Certain Defenses provision generally bars the insurer, after a set period, from denying a claim based on:

Pre-existing conditions or application misstatements (except fraud)

After the stated period (commonly 2 years), the insurer cannot contest based on misstatements or pre-existing conditions, except fraud.

3. When a lapsed health policy is reinstated, coverage for sickness generally resumes:

After a waiting period (often 10 days) to prevent claims for sickness during the lapse

On reinstatement, accident coverage is usually immediate, but sickness coverage may have a short waiting period.

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

20 days or as soon as reasonably possible

Notice of claim is generally required within 20 days of a loss or as soon as reasonably possible.

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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 Pennsylvania Insurance Department and the exam administrator before relying on it.