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Free Individual Accident and Health Provisions Practice Questions

New York Accident & Health exam (series 17-52) — 54 practice questions.

Subtopics: Required provisions, Free look, Grace period, Notice of claim, Reinstatement, Time limit on defenses, Entire contract, Time limit on certain defenses, 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, 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. 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. Under the New York individual accident and health uniform provisions, written notice of a claim must generally be given to the insurer within:

20 days after a covered loss or as soon as reasonably possible

The required uniform provision calls for written notice of claim within 20 days after 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 Insurance Department and the exam administrator before relying on it.