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Free Individual Accident and Health Provisions Practice Questions

Oregon Accident & Health exam — 60 practice questions.

Subtopics: Free look, Grace period, Time limit on defenses, Reinstatement, Proof of loss, Probationary period, Elimination period, Physical exam and autopsy, Guaranteed renewable, Noncancellable, Legal actions, Coordination of benefits, Entire contract, Time limit on certain defenses, Notice of claim, Claim forms, Time of payment of claims, Payment of claims, Change of beneficiary, Change of occupation, Misstatement of age, Illegal occupation, Intoxicants and narcotics, Conformity with statutes, Insuring clause, Noncancelable, Conditionally renewable, Cancelable, 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 accident and health policy provision that allows the insured a set period to examine the policy and return it for a refund is the:

Free-look provision

The free-look provision lets the insured return the policy within the stated period for a full refund.

2. The provision giving an insured extra time to pay a past-due health insurance premium without losing coverage is the:

Grace period

The grace period gives additional time to pay an overdue premium before the policy lapses.

3. The time limit on certain defenses (incontestability) provision in a health policy generally:

Limits the insurer's ability to contest the policy after it has been in force a stated time

After the stated period, the insurer's ability to contest the policy for misstatements is limited, similar to incontestability.

4. Under the reinstatement provision of a health policy, when a lapsed policy is reinstated, losses from sickness are generally covered:

After a stated waiting period such as ten days following reinstatement

After reinstatement, sickness is typically covered only after a short waiting period, while accidents may be covered immediately.

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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.