Free Individual Accident and Health Provisions Practice Questions
Maryland Accident & Health exam — 110 practice questions.
Subtopics: Entire contract, Grace period, Reinstatement, Notice of claim, Claim forms, Proof of loss, Time of payment of claims, Payment of claims, Physical exam and autopsy, Legal actions, Renewability - guaranteed, Renewability - noncancelable, Health free look, Grace period by mode, Grace period other modes, Conditional receipt reinstatement, Reinstatement premium, Time limit on certain defenses, Continuing disability notice, Late proof of loss limit, Legal action deadline, Periodic benefit payments, Facility of payment health, Assignment to providers, Nonrenewal for health, Nonrenewal notice, Entire contract changes, Preexisting rider rule, Crime exclusion, 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 Entire Contract provision in a health policy means the contract consists of:
The policy, endorsements and attached papers
Maryland's required provision states that the policy, including endorsements and attached papers, is the entire contract, and no producer may change it or waive its provisions.
2. The grace period in an individual health policy allows the insured to:
Pay a late premium while coverage continues
The grace period (at least 7 days weekly, 10 days monthly, 31 days for other modes) lets the insured pay a premium after the due date while the policy stays in force.
3. Under the reinstatement provision required in Maryland health policies, a reinstated policy covers sickness that begins:
More than 10 days after reinstatement
A reinstated policy covers accidental injury sustained after reinstatement and sickness that begins more than 10 days after reinstatement.
4. Under the notice of claim provision, written notice of claim should be given to the insurer within how many days after a covered loss, or as soon as reasonably possible?
20 days
Written notice of claim must be given within 20 days after the loss occurs or begins, 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.
