Free Individual Accident and Health Provisions Practice Questions
North Dakota Accident & Health exam — 116 practice questions.
Subtopics: Free-look notice, Free look, Grace period, Time limit on defenses, Reinstatement, Proof of loss, Probationary period, Elimination period, Physical exam and autopsy, Guaranteed renewable, Noncancellable, Legal actions, Coordination of benefits, Entire contract, Pre-existing conditions, Notice of claim, Claim forms, Time of payment of claims, Claim payment time, Payment of claims, Premium refund at death, Change of occupation, Misstatement of age, Other insurance with this insurer, Unpaid premium, Cancellation, Conformity with state statutes, Illegal occupation, Intoxicants and narcotics, Claim provisions, Time limit on certain defenses, Change of beneficiary, Conformity with statutes, Insuring clause, Noncancelable, Conditionally renewable, Cancelable, 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, 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, Physical exam, 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. Where must the 10-day right-to-return notice appear on an individual accident and health policy issued in North Dakota?
On or attached to the first page
N.D.C.C. 26.1-36-02.1 requires a notice prominently printed on or attached to the first page stating the applicant may return the policy within ten days of delivery for a refund.
2. The accident and health policy provision that allows the insured a set period to examine the policy and return it for a refund is the:
Free-look provision
The free-look provision lets the insured return the policy within the stated period for a full refund.
3. The provision giving an insured extra time to pay a past-due health insurance premium without losing coverage is the:
Grace period
The grace period gives additional time to pay an overdue premium before the policy lapses.
4. The time limit on certain defenses (incontestability) provision in a health policy generally:
Bars most contests after two years in force
After the stated period, the insurer's ability to contest the policy for misstatements is limited, similar to incontestability.
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.
