Free Individual Accident and Health Provisions Practice Questions
Nevada Life, Accident & Health exam — 81 practice questions.
Subtopics: Pre-existing condition, Change of occupation, Misstatement of age, Noncancelable, Conditionally renewable, Optionally renewable, Waiver of premium, Conformity with statutes, Illegal occupation, Relation of earnings, Free look, Free look exceptions, Time limit on defenses, Grace period, Nonrenewal notice, Reinstatement, Notice of claim, Claim forms, Proof of loss, Legal actions, Time of payment, Physical exam and autopsy, Change of beneficiary, Renewability, Dependent age, Policy form, Pregnancy complications, Required provisions, Time of payment of claims, Payment of claims, Entire contract, Time limit on certain defenses, Optional provisions, Guaranteed renewable, Free-look provision, Insuring clause, Relation of earnings to insurance, Intoxicants and narcotics, Coordination of benefits, Renewal provision, Substitute wording, Exclusions, Consideration clause, Pre-existing conditions, Probationary period
Read the Individual Accident and Health Provisions study guide
Sample questions & answers
1. A health policy provision that limits or excludes coverage for conditions the insured had before the policy began is the:
Pre-existing condition provision
The pre-existing condition provision restricts coverage for conditions that existed before the policy's effective date, subject to law.
2. If an insured changes to a more hazardous job, the change of occupation provision generally allows the insurer to:
Reduce benefits to what the premium buys at the new class
NRS 689A.200 lets the insurer pay only the portion of indemnity the premium paid would have purchased at the rates for the more hazardous occupation.
3. If an insured misstated their age on a health policy, the insurer may at claim time:
Pay what the premium would buy at the correct age
Under the misstatement of age provision, benefits are adjusted to what the premium paid would have bought at the correct age.
4. A health policy the insurer cannot cancel and on which the premium is guaranteed not to increase is described as:
Noncancelable
A noncancelable policy cannot be canceled and its premium cannot be increased, as long as premiums are paid.
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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.
