Free Individual Accident and Health Provisions Practice Questions
Louisiana Life, Accident & Health exam — 84 practice questions.
Subtopics: Uniform provisions, Waiver of premium, Claim payment timing, Grace period, Claim forms, Coinsurance, Exclusions, Cancelable, Conditionally renewable, Pre-existing limitation, Proof of loss, Legal actions, Time limit on certain defenses, Preexisting conditions, Notice of claim, Time of payment of claims, 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, Required provisions, Reinstatement, Physical exam and autopsy, Change of beneficiary, Optional provisions, Guaranteed renewable, Noncancelable, Optionally renewable, Pre-existing condition, Free-look provision, Insuring clause, Coordination of benefits, Renewal provision, Substitute wording, Consideration clause, Renewability, Pre-existing conditions, Probationary period
Read the Individual Accident and Health Provisions study guide
Sample questions & answers
1. The standard provisions that must appear in individual health policies are commonly called the:
Uniform required provisions
Individual health policies must contain the uniform required (mandatory) provisions established by law.
2. A waiver of premium provision in a health policy generally waives premiums while the insured is:
Totally disabled as defined in the policy
The waiver of premium provision keeps coverage in force without premiums while the insured is totally disabled as defined.
3. Under Louisiana law, health and accident claims must be paid within how many days after the insurer receives written notice and proof of claim (absent just and reasonable grounds)?
30 days
R.S. 22:1821(A) requires health and accident claims to be paid not more than thirty days from receipt of written notice and proof of claim; violation carries a penalty of double the benefits due plus attorney fees.
4. If a health insurance premium is not paid by the due date, the grace period:
Keeps the policy in force for a time
The grace period provides extra time after the due date to pay the premium before coverage lapses.
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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.
