Free Individual Accident and Health Provisions Practice Questions
Indiana Life, Accident & Health exam — 77 practice questions.
Subtopics: Insuring clause, Exclusions, Consideration clause, Optional provisions, Change of occupation, Misstatement of age health, Illegal occupation, Relation of earnings to insurance, Unpaid premium, Conformity with statutes, Grace period, Time limit on certain defenses, Reinstatement, Notice of claim, Claim forms, Proofs of loss, Legal actions, Payment of claims, Entire contract, Guaranteed renewability, Free look, Required provisions, Proof of loss, Time of payment of claims, Physical exam and autopsy, Change of beneficiary, Guaranteed renewable, Noncancelable, Optionally renewable, Conditionally renewable, Pre-existing condition, Free-look provision, Misstatement of age, Intoxicants and narcotics, Coordination of benefits, Renewal provision, Substitute wording, Renewability, Pre-existing conditions, Probationary period
Read the Individual Accident and Health Provisions study guide
Sample questions & answers
1. The provision in a health policy that states the insurer's basic promise to pay for covered losses is called what?
Insuring clause
The insuring clause sets out the insurer's basic agreement to provide the benefits described in the policy.
2. Specific causes of loss listed as not covered in a health policy are found in which provision?
Exclusions
Exclusions identify the losses, conditions, or situations that the policy does not cover.
3. In a health policy, the consideration clause generally identifies what?
The premium amount and the applicant's statements
The consideration clause describes what each party gives, including the premium and the applicant's statements.
4. Provisions such as the change of occupation clause in a health policy are best described as what?
Optional provisions an insurer may include
Certain uniform provisions, like change of occupation, are optional provisions an insurer may elect to include.
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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.
