Free Individual Accident and Health Provisions Practice Questions
New Mexico Accident & Health exam (series 18-26) — 121 practice questions.
Subtopics: Free look, Grace period, Dependent student status, Newborn coverage scope, Guaranteed renewable, Entire contract, Time limit on defenses, Proof of loss periodic, Claim forms, Physical exam, Legal actions, Misstatement of age, Probationary period, Reinstatement, Health grace period, Grace period quarterly premium, Notice of claim, Notice to an agent, Proof of loss, Late proof of loss, Time of payment of claims, Lawsuit deadline, Reinstatement sickness wait, Conditional reinstatement, Reinstatement back premium, Major medical misstatements, Change of beneficiary, Change of occupation, Guaranteed renewability, Market withdrawal notice, Dependent age, Disabled dependent, Newborn coverage, Newborn notice, Adopted children, Coverage of children, Time limit on certain defenses, Physical exam and autopsy, Payment of claims, Illegal occupation, Intoxicants and narcotics, Conformity with statutes, Insuring clause, Noncancelable, Conditionally renewable, Cancelable, 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, 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, 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. When a New Mexico accident and health policy contains a free-look (right to return) provision, the insured who returns the policy within the period receives:
The full premium paid
A right-to-return provision lets the insured return the policy within the stated period for a full premium refund; New Mexico, for example, requires a 30-day right to return on Medicare supplement policies.
2. A New Mexico health policy's grace period is the time after a premium due date during which:
The policy stays in force and the premium may be paid
During the grace period the policy stays in force and the policyholder may pay the overdue premium without losing coverage.
3. A New Mexico family health policy may NOT end coverage of a 24-year-old unmarried dependent child because the child:
Is not enrolled in school
Dependent coverage may not end by reason of age before the 26th birthday, regardless of whether the dependent is enrolled in an educational institution.
4. New Mexico's required coverage for newly born children includes:
Care of diagnosed congenital defects and birth abnormalities
Newborn coverage must include injury and sickness, including care of medically diagnosed congenital defects and birth abnormalities and, where needed, transport to a tertiary care facility.
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.
