Free Individual Accident and Health Provisions Practice Questions
North Carolina Accident & Health exam — 109 practice questions.
Subtopics: Entire contract, Grace period, Reinstatement, Notice of claim, Proof of loss (NC), Time of payment of claims, Physical exam, Legal actions, Change of beneficiary, Insuring clause, Time limit on certain defenses, Preexisting condition limits, Grace period by premium mode, Reinstatement by conditional receipt, Reinstatement premium, Claim forms, Late proof of loss, Payment of claims, Facility of payment, Legal actions limit, Change of occupation, Other insurance in this insurer, Unpaid premium, Conformity with state statutes, Illegal occupation, Intoxicants and narcotics, Renewability notice, Renewability notice after year one, Proof of loss, Physical exam and autopsy, Misstatement of age, Conformity with statutes, 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, Period of coverage, Standard and optional provisions, Time of payment, 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 an individual health policy means:
The policy and attached application constitute the whole agreement
The entire contract provision states that the policy, endorsements, and the attached application make up the complete contract; nothing can be incorporated by reference outside it.
2. The grace period in an individual health policy is the time after the premium due date during which:
Coverage continues while the overdue premium may be paid
During the grace period the policy stays in force; North Carolina's required provision allows at least 7 days for weekly-premium policies, 10 days for monthly-premium policies and 31 days for all others.
3. Under the reinstatement provision, when a lapsed health policy is reinstated, coverage for sickness generally:
Covers sickness beginning more than 10 days later
A reinstated policy covers accidental injuries sustained after reinstatement and sickness that begins more than 10 days after the reinstatement date.
4. Under North Carolina's required notice of claim provision, written notice of claim must be given to the insurer within:
20 days after the loss begins
Written notice must be given within 20 days after a covered loss occurs or begins, or as soon afterward as reasonably possible; notice to an authorized agent counts as notice to the insurer.
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.
