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  2. New Hampshire
  3. Accident & Health
  4. Individual Accident and Health Provisions

Free Individual Accident and Health Provisions Practice Questions

New Hampshire Accident & Health exam — 60 practice questions.

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

Return the policy within the stated period for a premium refund

The free-look provision lets the insured return the policy within the stated period for a full refund of premium.

2. The grace period in a health insurance policy provides that:

A premium may be paid after the due date without the policy lapsing

The grace period allows a late premium to be paid within a set time without the policy lapsing.

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

After a stated number of days following reinstatement

After reinstatement, losses from sickness are typically covered only after a stated number of days, while accidents are covered immediately.

4. The time limit on certain defenses provision, after the policy has been in force for the stated period, generally prevents the insurer from:

Contesting the policy for misstatements except fraudulent ones

After the stated period, the insurer generally cannot void the policy or deny a claim based on non-fraudulent misstatements.

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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.