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  4. Individual Accident and Health Provisions

Free Individual Accident and Health Provisions Practice Questions

New York Accident & Health exam (series 17-52) — 27 practice questions.

Subtopics: Required provisions, Free look, Grace period, 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

Sample questions & answers

1. New York Insurance Law specifies the required and optional provisions that must appear in an individual accident and health policy under:

Section 3216

Section 3216 sets out the required and optional uniform provisions for individual accident and health policies in New York.

2. An individual New York accident and health policy must give the insured a right to return (free look) of at least:

10 days

New York requires that an individual accident and health policy be returnable for a refund during a free-look period of at least 10 days.

3. For an individual New York health policy paid monthly, the required grace period is generally:

10 days

New York grace periods vary by mode: 7 days for weekly premiums, 10 days for monthly, and 31 days for other modes.

4. 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.

All Accident & Health topics

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.