Free Individual Accident and Health Provisions Practice Questions
Montana Accident & Health exam — 120 practice questions.
Subtopics: Free look, Grace period, Reinstatement, Pre-existing conditions, Time of payment of claims, Proof of loss, Physical exam and autopsy, Legal actions, Change of occupation, Guaranteed renewable, Noncancelable, Entire contract, Newborn coverage, Adopted children, Disabled dependents, Time limit on defenses, Notice of claim, Claim forms, Time of payment, Payment of claims, Change of beneficiary, Policy format, Disclosure, Usual and customary, Premium changes, Cancellation notice, Uniform provisions, Time limit on certain defenses, Misstatement of age, Illegal occupation, Intoxicants and narcotics, 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, Physical exam, Cancellation, 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 free-look provision of a health insurance policy gives the policyowner the right to:
Return the policy within a set period for a refund
A free-look (right to examine) provision lets the owner return a newly delivered policy within the stated period for a premium refund; in Montana, for example, Medicare supplement and long-term care policies must allow 30 days.
2. The grace period in an individual health policy:
Gives extra time to pay a premium before lapse
The grace period gives the insured added time to pay a premium before the policy lapses.
3. Under Montana's required reinstatement provision, a reinstated individual health policy covers sickness that begins:
More than 10 days after reinstatement
The reinstated policy covers accidental injury sustained after reinstatement and sickness beginning more than 10 days after reinstatement.
4. A pre-existing condition provision in an individual health policy generally:
Limits coverage for conditions existing before coverage
A pre-existing condition provision limits coverage for conditions that existed before the policy began.
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.
