Free Individual Accident and Health Provisions Practice Questions
Indiana Accident & Health exam — 109 practice questions.
Subtopics: Entire contract, Grace period, Reinstatement, Notice of claim, Proof of loss, Time limit on defenses, Physical exam and autopsy, Payment of claims, Legal actions, Change of beneficiary, Renewability classifications, Guaranteed renewable, Time limit on certain defenses, Claim forms, Proofs of loss, Guaranteed renewability, Change of occupation, Free look, Time of payment of claims, Misstatement of age, Illegal occupation, Intoxicants and narcotics, Conformity with statutes, Insuring clause, 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, 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 provision stating that the policy and attached application constitute the whole agreement is called what?
Entire contract
The Entire Contract; Changes provision in IC 27-8-5-3(a)(1) states the policy, endorsements and attached papers constitute the entire contract.
2. The mandatory provision giving the insured extra time to pay a premium after the due date is called what?
Grace period
The Grace Period provision keeps the policy in force for 7, 10 or 31 days (weekly, monthly or other premium modes) after a premium falls due.
3. Under the reinstatement provision, if an insurer accepts a late premium without requiring an application, coverage is generally reinstated how?
Automatically when the premium is accepted
Under IC 27-8-5-3(a)(4), acceptance of a premium without requiring a reinstatement application reinstates the policy.
4. The provision specifying how soon the insured must inform the insurer that a loss has occurred is called what?
Notice of claim
The Notice of Claim provision requires written notice within 20 days after a covered loss, or as soon 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.
