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Free Individual Accident and Health Provisions Practice Questions

New Jersey Accident & Health exam — 56 practice questions.

Subtopics: Entire contract, Grace period, Notice of claim, Proof of loss, Time limit on defenses, Reinstatement, Claim forms, Physical exam, Time limit on certain defenses, 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, 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 New Jersey health policy means the contract consists of:

The policy and the attached application

The entire contract is the policy plus any attached application; outside statements are not part of it.

2. The grace period in a health policy allows the insured to:

Pay an overdue premium without losing coverage

The grace period permits late premium payment within a set time while coverage remains in force.

3. The standard health provision requiring the insured to tell the insurer of a loss is:

Notice of claim

Notice of claim requires the insured to notify the insurer of a covered loss within the stated time.

4. Under the uniform provisions, written proof of loss is generally required within:

About 90 days of the loss

Proof of loss is generally due within about 90 days after the loss under the uniform provisions.

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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.