Free Individual Accident and Health Provisions Practice Questions
Ohio Accident & Health exam (series 11-45) — 112 practice questions.
Subtopics: Free look, Cancellation provision, Grace period, Standard provisions, Free-look refund, Entire contract, Reinstatement, Proof of loss, Time limit on defenses, Physical examination, Legal actions, Payment of claims, Free look notice, Free look scope, Notice of claim, Claim forms, Time of payment, Facility of payment, Cancellation by insured, Cancellation refund, Nonrenewal notice, Illegal occupation, Change of occupation, Time limit on certain defenses, Time of payment of claims, Physical exam and autopsy, Change of beneficiary, Misstatement of age, 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, 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, Period of coverage, Standard and optional provisions, Physical exam, Cancellation, Mandatory vs. optional, Renewability, Riders, Eligible expenses, Deductibles, Subrogation, Exclusions, Benefit limits
Read the Individual Accident and Health Provisions study guide
Sample questions & answers
1. Ohio gives the holder of an individual accident and health policy a right to return it for rescission until at least midnight of which day after receipt?
The 10th day
Ohio Rev. Code 3923.31 gives the policyholder the right to rescind until at least midnight of the tenth day after receiving the policy, without stating a reason.
2. Under the cancellation provision Ohio requires in individual sickness and accident policies:
The insured may cancel; the insurer may not
Ohio Rev. Code 3923.04(M) requires a "Cancellation by the insured. Non-cancellation by the insurer." provision: the insured may cancel at any time by written notice, and the insurer may not cancel.
3. Ohio's standard individual health policy provisions include a grace period that:
Permits premium payment after the due date without losing coverage
The grace period lets the insured pay late and keep coverage in force.
4. Required uniform provisions in Ohio individual accident and health policies are set primarily by:
Ohio's sickness and accident provisions law
Ohio Rev. Code Chapter 3923 sets standard accident and health policy provisions.
Practice: Individual Accident and Health Provisions
Answer choices are shuffled every time, and every question comes with an explanation.
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.
