Free Individual Accident and Health Provisions Practice Questions
Montana Life, Accident & Health exam — 75 practice questions.
Subtopics: Notice of claim, Claim forms, Payment of claims, Intoxicants and narcotics, Misstatement of age, Conformity with statutes, Optionally renewable, Relation of earnings, Unpaid premium, Required provisions, Grace period, Time limit on defenses, Reinstatement, Proof of loss, Legal actions, Entire contract, Claim payment, Postclaim underwriting, Required coverage, Continuity of coverage, Rate changes, Uniform provisions, Time of payment of claims, Physical exam and autopsy, Change of beneficiary, Time limit on certain defenses, Optional provisions, Guaranteed renewable, Noncancelable, Conditionally renewable, Pre-existing condition, Free-look provision, Insuring clause, Change of occupation, Relation of earnings to insurance, Coordination of benefits, Renewal provision, Substitute wording, Exclusions, Consideration clause, Renewability, Pre-existing conditions, Probationary period
Read the Individual Accident and Health Provisions study guide
Sample questions & answers
1. The notice of claim provision in an individual health policy generally requires the insured to:
Give written notice of a loss within a stated time
Montana's required notice of claim provision gives the insured 6 months after a covered loss, or as soon as reasonably possible.
2. If an insurer does not furnish claim forms within the required time after receiving notice of claim, the insured may:
Submit written proof of loss in any form
If forms are not furnished within 15 days after notice of claim, the claimant complies by submitting written proof covering the occurrence, character, and extent of the loss.
3. The payment of claims provision in a health policy specifies:
To whom benefits are paid
The payment of claims provision directs death benefits to the beneficiary (or estate if none) and other benefits to the insured.
4. An optional provision allowing the insurer to deny a claim for a loss resulting from the insured's intoxication or commission of a felony addresses:
Illegal occupation and intoxicants and narcotics
The illegal occupation and intoxicants/narcotics optional provisions let the insurer deny losses from such conduct.
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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.
