Free Individual Accident and Health Provisions Practice Questions
Michigan Accident & Health exam (series 16-66) — 112 practice questions.
Subtopics: Entire contract, Grace period, Reinstatement, Time limit on defenses, Notice of claim, Proof of loss, Physical exam, Legal actions, Time limit on certain defenses, Free look, Cancellation, Time of payment of claims, Payment of claims, Change of occupation, Misstatement of age, Illegal occupation, Unpaid premium, Conformity with state statutes, Other insurance in this insurer, Claim forms, Physical exam and autopsy, Change of beneficiary, 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, Insurance with other insurers, Other insurers per diem, 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, 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. The provision stating the policy and attached application constitute the entire agreement is the:
Entire contract provision
The required entire contract provision states that the policy, riders and endorsements, and any attached papers (and the application if specified) make up the entire contract.
2. The mandatory grace period in an individual health policy allows premium payment after the due date without:
Loss of coverage
The required grace period provision keeps the policy in force during the grace period for each premium after the first.
3. Under Michigan's required reinstatement provision for disability policies (other than health insurance policies), a reinstated policy covers sickness that begins more than:
10 days after reinstatement
MCL 500.3411(1) covers accidental injury sustained after reinstatement and sickness that begins more than 10 days after reinstatement, which deters adverse selection.
4. The provision limiting when an insurer can contest a health policy for misstatements is the:
Time limit on certain defenses
The time limit on certain defenses bars voiding the policy or denying claims for nonfraudulent application misstatements after the stated period (no more than 2 years for Michigan-delivered policies).
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.
