Free Individual Accident and Health Provisions Practice Questions
South Dakota Life, Accident & Health exam — 72 practice questions.
Subtopics: Right to examine, Change of occupation, Illegal acts, Conformity with statutes, Optionally renewable, Cancelable, Waiver of premium, Unpaid premium, Free look, Grace period, Renewal, Reinstatement, Notice of claim, Claim forms, Proof of loss, Legal actions, Time limit on defenses, Entire contract, Required provisions, Time of payment of claims, Payment of claims, Physical exam and autopsy, Change of beneficiary, Time limit on certain defenses, Optional provisions, Guaranteed renewable, Noncancelable, 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. The right-to-examine (free look) provision in a South Dakota individual health policy lets the insured:
Return it within 10 days of delivery for a refund
SDCL 58-17-11 lets the purchaser of an individual health policy return it within ten days of delivery and have the premium refunded; the policy is void from the beginning.
2. The change of occupation provision lets the insurer adjust benefits or premiums when the insured:
Moves to a more or less hazardous occupation
SDCL 58-17-32 permits a provision adjusting benefits if the insured changes to a more hazardous occupation and reducing the premium for a less hazardous one.
3. An optional health policy provision allowing the insurer to deny benefits for a loss sustained while the insured is committing a felony is the:
Illegal occupation provision
SDCL 58-17-39 permits an illegal occupation provision excluding loss to which the insured's commission of or attempt to commit a felony, or an illegal occupation, contributed.
4. The conformity with state statutes provision in a health policy automatically:
Amends conflicting terms to meet state law minimums
SDCL 58-17-38 permits a provision amending any policy term that conflicts with the statutes of the insured's state of residence on the effective date to conform to their minimum requirements.
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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.
