Free Individual Accident and Health Provisions Practice Questions
Oklahoma Accident & Health exam — 120 practice questions.
Subtopics: Nonrenewal notice, Free look, Grace period, Time limit on defenses, Reinstatement, Proof of loss, Probationary period, Elimination period, Physical exam and autopsy, Guaranteed renewable, Noncancellable, Legal actions, Coordination of benefits, Notice of claim, Claim forms, Time of payment of claims, Payment of claims, Physical examination, Time limit on certain defenses, Preexisting conditions, Entire contract, Change of beneficiary, Change of occupation, Illegal occupation, Narcotics, Unpaid premium, Conformity with state statutes, Misstatement of age, Intoxicants and narcotics, Conformity with statutes, Insuring clause, Noncancelable, Conditionally renewable, Cancelable, 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, 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. An Oklahoma individual health policy reserves the insurer's right to refuse renewal. To nonrenew, the insurer must deliver or mail written notice:
At least 30 days before the premium due date
Under 36 O.S. 4405(A)(3)(b), a policy reserving the right to refuse renewal must say the grace period applies unless written notice of nonrenewal was delivered or mailed at least 30 days before the premium due date.
2. The accident and health policy provision that allows the insured a set period to examine the policy and return it for a refund is the:
Free-look provision
The free-look provision lets the insured return the policy within the stated period for a full refund.
3. The provision giving an insured extra time to pay a past-due health insurance premium without losing coverage is the:
Grace period
The grace period gives additional time to pay an overdue premium before the policy lapses.
4. The time limit on certain defenses (incontestability) provision in a health policy generally:
Limits contests after a stated time in force
After the stated period, the insurer's ability to contest the policy for misstatements is limited, similar to incontestability.
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.
