Free Individual Accident and Health Provisions Practice Questions
Nebraska Accident & Health exam (series 13-02) — 114 practice questions.
Subtopics: Grace period, Reinstatement, Time limit on certain defenses, Notice of claim, Proof of loss, Time of payment of claims, Physical examination, Legal actions, Guaranteed renewable, Noncancelable, Preexisting condition, Free look, Claim forms, Time limit on defenses, Preexisting conditions, Facility of payment, Entire contract, Conformity with law, Assignment of benefits, Change of beneficiary, Cancellation provision, Change of occupation, Copy of application, Reinstatement application copy, Disabled dependents, Physical exam and autopsy, Payment of claims, Misstatement of age, Illegal occupation, Intoxicants and narcotics, Conformity with statutes, Insuring clause, Conditionally renewable, Cancelable, Probationary period, Elimination period, 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, Unpaid premium, 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, Period of coverage, Standard and optional provisions, Time of payment, Physical exam, Cancellation, 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. Under an individual health policy the grace period is the span after the premium due date during which:
Coverage continues and the overdue premium may still be paid
Under Neb. Rev. Stat. 44-710.03(3) the policy continues in force during the grace period (at least 7, 10, or 31 days depending on premium mode).
2. After a lapsed individual health policy is reinstated, losses caused by sickness are generally covered:
More than 10 days after reinstatement
Neb. Rev. Stat. 44-710.03(4) covers accidental injury after reinstatement and sickness that begins more than ten days after reinstatement.
3. The provision that limits how long an insurer may contest an individual health policy for misstatements is the:
Time limit on certain defenses
Neb. Rev. Stat. 44-710.03(2) bars using non-fraudulent misstatements to void the policy or deny claims after two years from issue.
4. The provision requiring the insured to tell the insurer that a loss has occurred within a set time is the:
Notice of claim provision
Neb. Rev. Stat. 44-710.03(5) requires written notice of claim within twenty days after a covered loss, or as soon as reasonably possible.
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.
