1. Exam Prep
  2. South Dakota
  3. Accident & Health
  4. Individual Accident and Health Provisions

Free Individual Accident and Health Provisions Practice Questions

South Dakota Accident & Health exam — 60 practice questions.

Subtopics: Entire contract, Time limit on defenses, Grace period, Reinstatement, Notice of claim, Claim forms, Proof of loss, Time of payment of claims, Payment of claims, Physical exam and autopsy, Legal actions, Misstatement of age, Time limit on certain defenses, Change of beneficiary, Change of occupation, Illegal occupation, Intoxicants and narcotics, Conformity with statutes, Insuring clause, Guaranteed renewable, Noncancelable, Conditionally renewable, Cancelable, Probationary period, Elimination period, 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 the entire contract provision of an individual health policy, the contract is made up of:

The policy and the attached application, with no outside documents incorporated

The entire contract provision states the policy and the attached application form the whole agreement, with nothing outside incorporated.

2. After a health policy has been in force for the stated time, the time limit on certain defenses provision generally bars the insurer from:

Denying a claim based on most prior misstatements except fraud

This provision bars the insurer from contesting most statements after the stated period, with limited exceptions such as fraud.

3. The grace period in an individual health policy gives the insured:

A stated number of days after the due date to pay the premium before lapse

The grace period allows a set number of days after the premium due date to pay before the policy lapses.

4. When a lapsed health policy is reinstated, coverage for sickness generally begins:

After a stated number of days following reinstatement

On reinstatement, accident coverage is usually immediate while sickness coverage typically begins after a stated waiting period.

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 Insurance Department and the exam administrator before relying on it.