Free Individual Accident and Health Provisions Practice Questions
Connecticut Accident & Health exam (series 12-CT-02) — 113 practice questions.
Subtopics: Grace period, Reinstatement, Time limit on defenses, Entire contract, Free look, Notice of claim, Claim forms, Proof of loss, Time of payment of claims, Physical exam and autopsy, Legal actions, Change of beneficiary, Agent authority, Time limit on certain defenses, Reinstatement sickness, Payment of claims, Periodic payments, Change of occupation, Preexisting conditions, Pregnancy, Right to return, Accident only statement, Probationary period, AD&D time limit, Misstatement of age, Illegal occupation, Intoxicants and narcotics, Conformity with statutes, Insuring clause, Guaranteed renewable, Noncancelable, Conditionally renewable, Cancelable, 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, Time of payment, Physical exam, Cancellation, Mandatory vs. optional, Renewability, Riders, Eligible expenses, Deductibles, Subrogation, Exclusions, Benefit limits
Read the Individual Accident and Health Provisions study guide
Sample questions & answers
1. The required provision that gives a health policyowner time after the due date to pay a premium before the policy lapses is the:
Grace period
The grace period allows additional time after the due date to pay a premium before the policy lapses.
2. Under the reinstatement provision of a health policy, if the insurer accepts a late premium without requiring an application, coverage is generally:
Reinstated
Acceptance of a late premium without a reinstatement application generally reinstates the lapsed health policy.
3. The time limit on certain defenses provision in a health policy limits the period during which the insurer may:
Contest the policy based on misstatements in the application
The time limit on certain defenses restricts how long the insurer can contest the policy based on application misstatements.
4. The entire contract provision in a health policy means that no change is valid unless it is:
Endorsed in writing and attached to the policy by an authorized officer
Changes to the entire contract must be in writing and endorsed by an authorized officer to be valid.
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.
