Free Individual Accident and Health Provisions Practice Questions
Idaho Accident & Health exam — 129 practice questions.
Subtopics: Entire contract, Grace period, Reinstatement, Notice of claim, Proof of loss, Time of payment of claims, Physical exam and autopsy, Legal actions, Time limit on certain defenses, Change of beneficiary, Free look, Probationary period, Simplified application, Nonrenewal notice, Claim forms, Proofs of loss, Payment of claims, Facility of payment, Change of occupation, Misstatement of age, Relation of earnings, Illegal occupation, Intoxicants and narcotics, Unpaid premium, Renewability, Third party ownership, Handicapped dependents, Newborn coverage, Adopted children, Complications of pregnancy, Mammography, Refund at death, Refund on cancellation, 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, 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, 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 means that the contract consists of:
The policy with its endorsements and attached papers
Under Idaho's required provision, the policy, including endorsements and attached papers, constitutes the entire contract, and no agent may change it.
2. The grace period provision in a health insurance policy:
Gives the insured extra days after the due date to pay before the policy lapses
Idaho requires a grace period of at least 7 days for weekly premium policies, 10 days for monthly, and 31 days for all others, during which coverage continues.
3. Under the reinstatement provision, a lapsed individual health policy that is reinstated typically:
Covers accidents immediately but sickness after a short waiting period
A reinstated Idaho disability policy covers accidents occurring after reinstatement and sickness beginning more than 10 days after reinstatement.
4. The notice of claim provision requires the insured to notify the insurer of a loss:
Within the time stated in the policy after the loss
Idaho requires written notice of claim within 20 days after the loss, or as soon thereafter as reasonably possible.
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.
