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  4. Individual Accident and Health Provisions

Free Individual Accident and Health Provisions Practice Questions

Virginia Life, Accident & Health exam — 36 practice questions.

Subtopics: Grace period, Notice of claim, Proof of loss, Reinstatement, Time of payment, Entire contract, Change of occupation, Free look, Incontestability, Guaranteed renewable, Required provisions, Claim forms, Time of payment of claims, Payment of claims, Physical exam and autopsy, Legal actions, Change of beneficiary, Time limit on certain defenses, Optional provisions, 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

Read the Individual Accident and Health Provisions study guide

Sample questions & answers

1. The grace period in an individual health policy:

Allows an overdue premium to be paid without lapse

The grace period lets the insured pay a late premium while keeping coverage in force.

2. Notice of claim must generally be given to the insurer:

Within the time stated in the policy after a loss

Notice of claim must be provided within the period stated in the policy.

3. Written proof of loss is generally required within:

A specified number of days after the loss

Proof of loss must be furnished within the stated period (commonly 90 days) after the loss.

4. When a lapsed individual health policy is reinstated, sickness coverage usually:

Begins after a short waiting period

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

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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.