Free Individual Accident and Health Provisions Practice Questions
South Carolina Accident & Health exam — 121 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, Free look direct response, Direct response return, Cancellation prohibited, Nonrenewal notice, Optionally renewable, Rate increase notice, Premium due notice, Grace period by mode, Reinstatement premium, Claim forms, Legal actions, Autopsy location, Facility of payment, Change of beneficiary, Conformity with statutes, Disability notice, Illegal occupation, Intoxicants exclusion, Other insurance in this insurer, Family policy, Transfer right, Divorced spouse, Disabled dependent, Dependent conversion, Student medical leave, Entire contract, Time limit on certain defenses, Physical exam and autopsy, Payment of claims, Change of occupation, Misstatement of age, Intoxicants and narcotics, Insuring clause, Conditionally renewable, Cancelable, Coinsurance, Free look provision, Consideration clause, Pre-existing condition provision, Sickness waiting period, 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, Period of coverage, Standard and optional provisions, Time of payment, 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. Under a guaranteed renewable health policy, the insurer may:
Raise rates only by class
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 rate
A noncancelable policy guarantees both continued coverage and that premiums cannot be increased above the amounts stated in the policy.
3. Under S.C. Code 38-71-340, the grace period required in an individual health policy with monthly premiums must be at least:
10 days
The required grace period provision must allow not less than 7 days for weekly-premium policies, 10 days for monthly-premium policies, and 31 days for all others.
4. Under South Carolina's required reinstatement provision, a reinstated individual health policy covers sickness that begins:
More than 10 days after reinstatement
The reinstatement provision in S.C. Code 38-71-340(4) covers injuries sustained after reinstatement and sickness that starts more than ten days after that date.
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.
