Free Individual Accident and Health Provisions Practice Questions
Georgia Accident & Health exam (series 12-GA-02) — 110 practice questions.
Subtopics: Free look, Uniform provisions, Grace period, Time limit on defenses, Notice of claim, Proof of loss, Physical exam, Reinstatement, Claim forms, Time of payment, Payment of claims, Legal actions, Change of beneficiary, Entire contract, Optional provisions, Change of occupation, Illegal occupation, Cancellation refund, Free look exceptions, Outline of coverage, Third-party ownership, Dependent age-out, Time limit on certain defenses, Time of payment of claims, Physical exam and autopsy, Misstatement of age, 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, 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. Georgia requires most individual accident and sickness policies to let the buyer return the policy for a full refund within how many days of delivery?
10 days
Individual accident and sickness policies, except single premium nonrenewable policies, must allow return within ten days of delivery; the returned policy is void from the beginning.
2. Individual health policies in Georgia must contain certain standard clauses known as:
the uniform individual health policy provisions
State law adopts mandatory and optional uniform provisions that individual health policies must include.
3. The health policy provision allowing a set number of days after the due date to pay a premium without lapse is the:
grace period
The grace period keeps coverage in force for a stated number of days after a premium due date.
4. Under Georgia's time limit on certain defenses provision, after how long from the issue date can non-fraudulent misstatements in the application no longer be used to void an individual health policy?
Two years
After two years from issue, absent fraud, misstatements in the application cannot be used to void the policy or deny a claim for a loss commencing after that period.
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.
