Free Individual Accident and Health Provisions Practice Questions
Pennsylvania Life, Accident & Health exam (series 16-03) — 66 practice questions.
Subtopics: Grace period, Time limit on defenses, Claim forms, Late proof of loss, Legal actions, Reinstatement, Reinstatement sickness, Weekly grace period, Nonrenewal notice, Change of occupation, Cancellation provision, Illegal occupation, Free look effect, Disabled children, Required provisions, Notice of claim, Proof of loss, Time of payment of claims, Payment of claims, Physical exam and autopsy, Change of beneficiary, Entire contract, Time limit on certain defenses, Optional provisions, Guaranteed renewable, Noncancelable, Optionally renewable, Conditionally renewable, Pre-existing condition, Free-look provision, Insuring clause, Misstatement of age, Relation of earnings to insurance, Intoxicants and narcotics, Coordination of benefits, Renewal provision, Substitute wording, Exclusions, Consideration clause, Renewability, Pre-existing conditions, Probationary period
Read the Individual Accident and Health Provisions study guide
Sample questions & answers
1. For an individual health policy with monthly premiums, the required grace period is generally:
10 days
Grace periods vary by mode: 7 days weekly, 10 days monthly, and 31 days for other modes.
2. Under the individual health time limit on certain defenses provision the insurer eventually cannot:
Contest the policy for misstatements except fraud
Pennsylvania's provision bars using non-fraudulent misstatements to void the policy or deny claims after three years from issue.
3. Under Pennsylvania's required individual health provisions, after how long from issue can misstatements in the application (other than fraudulent ones) no longer be used to void the policy?
Three years
Pennsylvania's Time Limit on Certain Defenses provision uses a three-year period.
4. If an insurer fails to furnish claim forms within how many days after notice of claim, the claimant may submit written proof of loss in any form?
15 days
The Claim Forms provision lets the claimant file any written proof covering the occurrence, character and extent of the loss if forms are not furnished within 15 days.
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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.
