Free Individual Accident and Health Provisions Practice Questions
North Dakota Life, Accident & Health exam — 73 practice questions.
Subtopics: Notice of claim, Claim forms, Time of payment of claims, Payment of claims, Change of occupation, Misstatement of age, Illegal occupation, Conformity with statutes, Entire contract changes, Relation of earnings, Free look, Grace period, Time limit on defenses, Reinstatement, Proof of loss, Claim payment time, Facility of payment, Physical exam and autopsy, Legal actions, Cancellation, Required provisions, Change of beneficiary, Entire contract, Time limit on certain defenses, Optional provisions, Guaranteed renewable, Noncancelable, Optionally renewable, Conditionally renewable, Pre-existing condition, Free-look provision, Insuring clause, Relation of earnings to insurance, Intoxicants and narcotics, 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 requires the insured to:
Give written notice within 20 days of a loss
N.D.C.C. 26.1-36-04(1)(g) requires written notice of claim within twenty days after a covered loss begins, or as soon as reasonably possible.
2. Under the claim forms provision, if the insurer does not furnish claim forms within the required time, the insured may:
Submit their own written proof of loss
Under N.D.C.C. 26.1-36-04(1)(h), if forms are not furnished within fifteen days after notice of claim, the claimant may submit written proof of the occurrence, character, and extent of loss.
3. The time of payment of claims provision in a health policy requires the insurer to:
Pay promptly after receiving proof of loss
Claims must be paid promptly once proof is received; North Dakota requires action within fifteen business days of a health proof of loss form (N.D.C.C. 26.1-36-37.1).
4. The payment of claims provision generally directs that health policy benefits be paid:
To the insured, except death benefits
Benefits are generally payable to the insured, with any death benefit paid to a designated beneficiary.
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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.
