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  4. Individual Accident and Health Provisions

Free Individual Accident and Health Provisions Practice Questions

Virginia Accident & Health exam — 60 practice questions.

Subtopics: Required provisions, Grace period, Reinstatement, Notice of claim, Proof of loss, Time of payment of claims, Physical exam and autopsy, Legal actions, Free look, Change of occupation, Entire contract, Incontestability, Time limit on certain defenses, Claim forms, Payment of claims, Change of beneficiary, Misstatement of age, 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. Individual health policies in Virginia must contain certain required uniform provisions such as:

A grace period

Individual health policies must include required uniform provisions, including a grace period.

2. The grace period in a health policy allows the insured to:

Pay an overdue premium and keep coverage in force

The grace period lets the insured pay a late premium without losing coverage.

3. If a lapsed health policy is reinstated, coverage for sickness generally:

Begins after a short waiting period (commonly ten days)

On reinstatement, accident coverage is usually immediate while sickness coverage typically begins after a short waiting period (commonly ten days).

4. The notice of claim provision requires the insured to:

Notify the insurer of a loss within the stated time

The insured must give the insurer notice of a claim within the period the policy specifies.

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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.