Free Individual Accident and Health Provisions Practice Questions
South Carolina Life, Accident & Health exam — 77 practice questions.
Subtopics: Optional provisions, Change of occupation, Physical exam and autopsy, Legal actions, Payment of claims, Grace period, Right to return, Entire contract, Newborn coverage, Claim forms, Free look direct response, Cancellation prohibited, Nonrenewal notice, Rate increase notice, Grace period by mode, Reinstatement, Proof of loss, Facility of payment, Change of beneficiary, Time limit on defenses, Illegal occupation, Intoxicants exclusion, Divorced spouse, Disabled dependent, Required provisions, Notice of claim, Time of payment of claims, Time limit on certain defenses, Guaranteed renewable, Noncancelable, Optionally renewable, Conditionally renewable, Pre-existing condition, Free-look provision, Insuring clause, Misstatement of age, Relation of earnings to insurance, Intoxicants and narcotics, Coordination of benefits, Renewal provision, Substitute wording, Exclusions, Consideration clause, Renewability, Pre-existing conditions, Probationary period
Read the Individual Accident and Health Provisions study guide
Sample questions & answers
1. In an individual health policy, provisions such as 'change of occupation' are generally classified as:
Optional provisions
Change of occupation is one of the optional uniform provisions an insurer may include in an individual health policy.
2. Under the change of occupation provision, if an insured takes a more hazardous job, the insurer may:
Reduce benefits to the hazardous-class rate
If the insured changes to a more hazardous occupation, benefits may be reduced to what the premium would have purchased at that risk class.
3. The physical examination and autopsy provision allows the insurer to:
Examine the insured at its expense
The required provision lets the insurer, at its own expense, examine the insured as often as reasonably necessary while a claim is pending and, where not prohibited, have an autopsy performed; South Carolina requires any autopsy to be performed in South Carolina.
4. Under South Carolina's required legal actions provision in an individual health policy, a suit to recover on the policy may NOT be brought:
Within 60 days after proof of loss is given
No action may be brought within sixty days after written proof of loss is given, and none after six years from the time proof of loss is required (S.C. Code 38-71-340(11)).
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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.
