Free Individual Accident and Health Provisions Practice Questions
New Hampshire Accident & Health exam (series 12-62) — 119 practice questions.
Subtopics: Free look, Grace period, Reinstatement, Time limit on certain defenses, Entire contract, Notice of claim, Proof of loss, Time of payment of claims, Physical exam and autopsy, Legal actions, Change of beneficiary, Misstatement of age, Claim forms, Payment of claims, Refund upon cancellation, Cancellation, Pre-certification, Other insurance, Change of occupation, Unpaid premium, Conformity with state statutes, Falsity in application, Age limit, Outline of coverage, Illegal occupation, Intoxicants and narcotics, Conformity with statutes, Insuring clause, Guaranteed renewable, Noncancelable, 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, 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. The free-look provision in an individual accident and health policy allows the insured to:
Return the policy within the stated period for a premium refund
The free-look provision lets the insured return the policy within the stated period for a full refund of premium.
2. The grace period in a health insurance policy provides that:
A premium may be paid after the due date without the policy lapsing
The grace period allows a late premium to be paid within a set time without the policy lapsing.
3. Under New Hampshire's required reinstatement provision, if the insurer accepts a late renewal premium without requiring a reinstatement application, the policy is:
Reinstated by the acceptance of the premium
RSA 415:6, I(4) provides that acceptance of a late premium without requiring an application reinstates the policy; the 45-day rule applies only when an application is required and a conditional receipt is issued. A reinstated policy covers sickness beginning on or after the reinstatement date.
4. The time limit on certain defenses provision, after the policy has been in force for the stated period, generally prevents the insurer from:
Contesting the policy for misstatements except fraudulent ones
After the stated period, the insurer generally cannot void the policy or deny a claim based on non-fraudulent misstatements.
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.
