Free Individual Accident and Health Provisions Practice Questions
Massachusetts Accident & Health exam — 105 practice questions.
Subtopics: Grace period, Reinstatement, Time limit on defenses, Proof of loss, Entire contract, Claim forms, Payment of claims, Notice of claim, Legal actions, Physical examination, Prompt payment, Dependent coverage, Newborn coverage, Accident-only policies, Age 65 cancellation, Time limit on certain defenses, Time of payment of claims, Physical exam and autopsy, Change of beneficiary, Change of occupation, Misstatement of age, Illegal 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, Renewability, Riders, Eligible expenses, Deductibles, Subrogation, Free look, Exclusions, Benefit limits
Read the Individual Accident and Health Provisions study guide
Sample questions & answers
1. The provision that allows a health insurance premium to be paid after the due date without lapse is the:
Grace period
The grace period permits payment of an overdue premium within a set time while keeping the coverage in force.
2. To reinstate a lapsed individual health policy, the insured usually must:
Submit a reinstatement application and pay overdue premiums
Reinstatement generally requires an application, evidence of insurability, and payment of past-due premiums.
3. After a health policy has been in force for the stated period, the time limit on certain defenses generally prevents the insurer from:
Contesting the policy for misstatements except fraud
Under the Massachusetts uniform provision, after two years from issue no misstatement other than a fraudulent one may be used to void the policy or deny a claim.
4. Under the standard proof-of-loss provision, the insured must submit written proof of loss:
Within the time stated in the policy after the loss
Massachusetts requires written proof of loss within ninety days after the loss (or end of the liability period for periodic benefits).
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.
