Free Individual Accident and Health Provisions Practice Questions
Texas General Lines — Life, Accident, Health & HMO exam (series InsTX-LAH05) — 79 practice questions.
Subtopics: Free look, Newborn coverage, Grace period, AIDS testing, Notice of claim, Proof of loss, Mammography mandate, Diabetes mandate, Pre-existing conditions, Time of payment of claims, Disabled dependents, HIV testing, Sexual orientation, HIV underwriting, Entire contract, Time limit on certain defenses, Reinstatement, Claim forms, Required provisions, Payment of claims, Physical exam and autopsy, Legal actions, Change of beneficiary, Optional provisions, Guaranteed renewable, Noncancelable, Optionally renewable, Conditionally renewable, Pre-existing condition, Free-look provision, Insuring clause, Change of occupation, Misstatement of age, Relation of earnings to insurance, Intoxicants and narcotics, Coordination of benefits, Renewal provision, Substitute wording, Exclusions, Consideration clause, Renewability, Probationary period
Read the Individual Accident and Health Provisions study guide
Sample questions & answers
1. An individual accident and health policy in Texas must give the insured a right to return it for a refund of at least:
10 days
An individual A&H policy must include a notice that the insured may return it within 10 days after delivery for a premium refund; the returned policy is void from issue.
2. Texas health plans that cover dependents must cover a newborn child:
From the moment of birth
A plan covering newborns or maternity may not exclude or limit a newborn's initial coverage before the 61st day after birth or exclude congenital defects, so coverage begins at birth.
3. For an individual Texas health policy paid monthly, the required grace period is generally:
10 days
The grace period may not be less than 7 days for weekly premiums, 10 days for monthly premiums, and 31 days for other modes.
4. Texas rules on HIV and AIDS testing for insurance require that test results be:
Kept confidential and disclosed only as permitted
Texas requires HIV/AIDS test results obtained for underwriting to be kept confidential.
All General Lines — Life, Accident, Health & HMO topics
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.
