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  4. Individual Accident and Health Provisions

Free Individual Accident and Health Provisions Practice Questions

Pennsylvania Accident & Health exam (series 16-02) — 26 practice questions.

Subtopics: Grace period, Free look, 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. For an individual health policy paid monthly, the required grace period is generally:

10 days

Grace periods vary by mode: 7 days weekly, 10 days monthly, and 31 days for other modes.

2. An individual accident and health policy in Pennsylvania must give the insured a right to examine (free look) of at least:

10 days

The policy must allow at least a 10-day period to return it for a full refund of premium.

3. 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.

4. The Time Limit on Certain Defenses provision generally bars the insurer, after a set period, from denying a claim based on:

Pre-existing conditions or application misstatements (except fraud)

After the stated period (commonly 2 years), the insurer cannot contest based on misstatements or pre-existing conditions, except fraud.

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.