Free Individual Accident and Health Provisions Practice Questions
South Dakota Accident & Health exam — 108 practice questions.
Subtopics: Entire contract, Time limit on defenses, Grace period, Reinstatement, Notice of claim, Claim forms, Proof of loss, Time of payment of claims, Payment of claims, Physical exam and autopsy, Legal actions, Misstatement of age, Free look, Renewal, Change of occupation, Illegal occupation, Time limit on certain defenses, Change of beneficiary, 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, 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, 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. Under the entire contract provision of an individual health policy, the contract is made up of:
The policy, its endorsements, and any attached papers
SDCL 58-17-14 requires the provision: this policy, including the endorsements and the attached papers, if any, constitutes the entire contract of insurance.
2. After a health policy has been in force for the stated time, the time limit on certain defenses provision generally bars the insurer from:
Using non-fraudulent misstatements to deny claims
SDCL 58-17-15 provides that after two years from the date of issue no misstatements, except fraudulent ones, may be used to void the policy or deny a claim for loss commencing after that period.
3. The grace period in an individual health policy gives the insured:
A set number of days after the due date to pay
SDCL 58-17-17 requires a grace period of at least 7 days for weekly, 10 days for monthly, and 31 days for other premium modes, during which the policy stays in force.
4. When a lapsed health policy is reinstated, coverage for sickness generally begins:
For sickness beginning more than 10 days later
SDCL 58-17-19 limits a reinstated policy to accidental injury sustained after reinstatement and sickness beginning more than ten days after the reinstatement date.
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.
