Free Individual Accident and Health Provisions Practice Questions
Louisiana Accident & Health exam — 116 practice questions.
Subtopics: Grace period, Reinstatement, Pre-existing conditions, Time limit on defenses, Notice of claim, Proof of loss, Payment of claims, Physical exam and autopsy, Legal actions, Guaranteed renewable, Noncancelable, Change of beneficiary, Claim forms, Time limit on certain defenses, Preexisting conditions, Time of payment of claims, Entire contract, Change of occupation, Misstatement of age, Relation of earnings to insurance, Illegal occupation, Intoxicants and narcotics, Cancellation, Cancellation after claim, Grace period notice, Free look, Policy form, Conformity with statutes, Insuring clause, 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, 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. Louisiana requires individual and group health and accident policies to include a grace period of how many days from the premium due date?
Thirty days
R.S. 22:977(A) requires every individual, group, family group, blanket, or association health and accident policy to provide a thirty-day grace period.
2. If a lapsed individual health policy is reinstated, losses due to sickness are generally covered:
Only if it begins more than 10 days after reinstatement
Reinstated policies commonly impose a brief waiting period before sickness losses are covered, while accidents are covered at once.
3. A pre-existing condition provision in an individual health policy generally addresses:
Conditions for which the insured received care before the policy began
A pre-existing condition provision deals with conditions treated or manifested before coverage began, which may be limited for a period.
4. The health policy provision limiting the insurer's ability to void coverage for application misstatements after a set period is most like which life policy concept?
Incontestability
After the stated period, the insurer generally cannot void the policy or deny claims for misstatements, much like incontestability.
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.
