Free Individual Accident and Health Provisions Practice Questions
Colorado Accident & Health exam — 109 practice questions.
Subtopics: Entire contract, Grace period, Reinstatement, Time limit on defenses, Notice of claim, Claim forms, Proof of loss, Time of payment of claims, Physical exam and autopsy, Legal actions, Change of beneficiary, Renewability, Prompt pay, Prompt pay penalties, Preexisting conditions, Facility of payment, Replacement, Time limit on certain defenses, Payment of claims, Change of occupation, 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, Period of coverage, Standard and optional provisions, Time of payment, Physical exam, Cancellation, Mandatory vs. optional, Riders, Eligible expenses, Deductibles, Subrogation, Free look, Exclusions, Benefit limits
Read the Individual Accident and Health Provisions study guide
Sample questions & answers
1. The entire contract provision in an individual health policy provides that the contract consists of:
The policy together with the attached application
C.R.S. 10-16-202(2) provides that the policy, including endorsements and attached papers, constitutes the entire contract, and no agent may change or waive its provisions.
2. The grace period provision in an individual health policy allows the insured to:
Pay an overdue premium within a set time without lapse
C.R.S. 10-16-202(4) and 10-16-140 require a grace period during which the policy continues in force for premiums after the first.
3. After a lapsed health policy is reinstated, coverage for a new sickness typically becomes effective:
After a short waiting period following reinstatement
C.R.S. 10-16-202(5) covers accidents sustained after reinstatement and sickness beginning more than ten days after the reinstatement date.
4. The time limit on certain defenses (incontestability) provision restricts the insurer's right to:
Contest nonfraudulent misstatements after a stated period
C.R.S. 10-16-202(3)(a) provides that two years after issue, nonfraudulent misstatements in the application cannot be used to void the policy or deny a claim.
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.
