Free Individual Accident and Health Provisions Practice Questions
Iowa Accident & Health exam (series 12-IA-02) — 112 practice questions.
Subtopics: Right to examine, Time limit on defenses, Grace period, Reinstatement, Notice of claim, Proof of loss, Time of payment of claims, Physical exam and autopsy, Legal actions, Entire contract, Illegal occupation, Claim forms, Change of beneficiary, Payment of claims, Facility of payment, Right to return, Change of occupation, Time of payment, Renewability, Time limit on certain defenses, 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, Period of coverage, Standard and optional provisions, 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. Under Iowa's required provisions, an individual accident and health policy must let the insured return it for a refund within at least:
10 days after receipt
Iowa Code 514A.3(1)(m) requires a right to return the policy within ten days after receipt for a refund, voiding it from the beginning.
2. The provision limiting the time an insurer may contest a health policy or deny a claim for misstatements is the:
Time limit on certain defenses
The time limit on certain defenses limits how long the insurer may contest the policy or deny claims for misstatements.
3. The grace period in an individual health insurance policy:
Gives extra time to pay a premium before lapse
The grace period gives the insured additional time to pay an overdue premium before the policy lapses.
4. Under the reinstatement provision, if the insurer accepts a late premium without requiring a new application, the policy is:
Reinstated
Accepting a late premium without requiring an application generally reinstates the lapsed health policy.
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.
