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  4. Individual Accident and Health Provisions

Free Individual Accident and Health Provisions Practice Questions

Ohio Life, Accident & Health exam — 32 practice questions.

Subtopics: Change of occupation, Misstatement of age, Notice of claim, Claim forms, Relation of earnings, Renewability, Required provisions, Reinstatement, Proof of loss, Time of payment of claims, Payment of claims, Physical exam and autopsy, Legal actions, Change of beneficiary, Entire contract, Time limit on certain defenses, Optional provisions, Grace period, Guaranteed renewable, Noncancelable, Optionally renewable, Conditionally renewable, Pre-existing condition, Free-look provision, Insuring clause, Relation of earnings to insurance, Intoxicants and narcotics, Coordination of benefits

Read the Individual Accident and Health Provisions study guide

Sample questions & answers

1. If an insured changes to a more hazardous occupation, the health insurer may:

Adjust benefits to what the premium would buy at the new occupation

The change of occupation provision adjusts benefits for a more hazardous job.

2. If a health insured misstated their age, the insurer will generally:

Adjust benefits based on the correct age

Misstatement of age leads to benefit adjustment based on correct age.

3. The uniform provision setting how soon the insured must notify the insurer of a claim is the:

Notice of claim provision

The notice of claim provision sets the timeframe for notifying the insurer.

4. If the insurer does not supply claim forms within the required time, the insured may:

Submit proof of loss in any reasonable written form

Absent timely claim forms the insured may submit written proof in any reasonable form.

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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.