Free Individual Accident and Health Provisions Practice Questions
Kansas Accident & Health exam (series 12-KS-02) — 116 practice questions.
Subtopics: Entire contract, Grace period, Reinstatement, Notice of claim, Proof of loss, Payment of claims, Physical exam and autopsy, Legal actions, Time limit on defenses, Change of beneficiary, Misstatement of age, Renewability, Nonrenewal notice, Claim forms, Time of payment of claims, Preexisting conditions, Cancellation by insured, Cancellation by insurer, Relation of earnings, Illegal occupation, Medicaid exclusions, Third-party ownership, Time limit on certain defenses, Change of occupation, 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, Time of payment, 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. The entire contract provision in a health policy means the policy and the attached application together:
Form the complete agreement
The entire contract consists of the policy and the attached application; outside statements are not part of it.
2. The grace period in an individual health policy is the time after the premium due date during which:
The policy stays in force and the overdue premium may still be paid
The grace period keeps the policy in force for a stated time after the due date so the overdue premium can be paid.
3. Under the Kansas reinstatement provision, a reinstated health policy covers loss due to sickness that begins:
More than 10 days after the date of reinstatement
K.S.A. 40-2203(A)(4) covers accidental injury sustained after reinstatement and sickness that begins more than ten days after the date of reinstatement.
4. Under the Kansas notice of claim provision, written notice of claim must be given to the insurer within:
20 days after the loss occurs or begins
K.S.A. 40-2203(A)(5) requires written notice within 20 days after the occurrence or commencement of a covered 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.
