Free Individual Accident and Health Provisions Practice Questions
North Carolina Life, Accident & Health exam — 79 practice questions.
Subtopics: Notice of claim, Claim forms, Proof of loss (NC), Grace period health, Reinstatement waiting, Legal actions, Time payment of claims, Misstatement of age health, Entire contract, Time limit on certain defenses, Preexisting condition limits, Grace period by premium mode, Reinstatement by conditional receipt, Reinstatement premium, 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, Hospitalization free look, Required provisions, Reinstatement, Proof of loss, Time of payment of claims, Physical exam and autopsy, Change of beneficiary, Optional provisions, Grace period, Guaranteed renewable, Noncancelable, Optionally renewable, Conditionally renewable, Pre-existing condition, Free-look provision, Insuring clause, Misstatement of age, 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. Under North Carolina's required notice of claim provision for individual health policies, written notice must be given:
Within 20 days after a covered loss begins
Written notice of claim is due within 20 days after a covered loss occurs or begins, or as soon afterward as reasonably possible.
2. If an insurer does not furnish claim forms within 15 days after receiving notice of claim, the claimant may:
Send written proof of the loss without the forms
If claim forms are not furnished within 15 days after notice, the claimant complies by submitting, within the proof-of-loss deadline, written proof of the occurrence, character and extent of the loss.
3. Under North Carolina's required proof of loss provision, written proof for a claim that is not paid periodically must be furnished within:
180 days after the loss
North Carolina's required provision allows 180 days after the loss; if furnishing proof in time was not reasonably possible, it may be late but generally not more than one year after it was due.
4. The grace period in an individual health policy allows the insured to:
Pay an overdue premium while coverage continues
During the health policy's grace period, the coverage remains in force and the insured can pay the overdue premium to avoid a lapse.
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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.
