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  4. Individual Accident and Health Provisions

Free Individual Accident and Health Provisions Practice Questions

South Carolina Accident & Health exam — 60 practice questions.

Subtopics: Guaranteed renewable, Noncancelable, Grace period, Reinstatement, Time limit on defenses, Probationary period, Elimination period, Pre-existing conditions, Notice of claim, Proof of loss, Time of payment of claims, Free look, Entire contract, Time limit on certain defenses, Claim forms, 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, 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. Under a guaranteed renewable health policy, the insurer may:

Adjust premiums by class but not refuse renewal up to the stated age

A guaranteed renewable policy must be renewed to a stated age and premiums may change only by class, not for an individual insured.

2. Under a noncancelable health policy, the insurer:

Cannot cancel or raise the premium beyond the amount stated in the policy

A noncancelable policy guarantees both continued coverage and that premiums cannot be increased above the amounts stated in the policy.

3. The grace period in a health insurance policy:

Keeps coverage in force for a set time after a missed premium

The grace period allows coverage to continue for a stated time after a premium due date so the policy is not immediately lost.

4. When a lapsed health policy is reinstated, a waiting period commonly applies to:

Sickness, while losses from accidents may be covered sooner

On reinstatement, coverage for sickness commonly resumes after a short waiting period, while accident coverage often resumes immediately.

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.