Free Individual Accident and Health Provisions Practice Questions
Utah Accident & Health exam (series 17-02) — 127 practice questions.
Subtopics: 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, Incontestability, Preexisting conditions, Claim notice, Payment of claims, Change of occupation, Renewability, Permitted exclusions, Replacement, Outline of coverage, Entire contract, Time limit on certain defenses, Notice of claim, Claim forms, Time of payment of claims, Change of beneficiary, Misstatement of age, Illegal occupation, 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, 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, Riders, Eligible expenses, Deductibles, Subrogation, Exclusions, Benefit limits
Read the Individual Accident and Health Provisions study guide
Sample questions & answers
1. 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
Utah A&H policies must allow return for any reason within 10 days after delivery; the policy is void from the beginning and premium is refunded.
2. 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 allows late payment without a gap in coverage; Utah requires 15 days for weekly or monthly premiums and 30 days otherwise.
3. The time limit on certain defenses (incontestability) provision in a health policy generally:
Limits contesting the policy after it has been in force a stated time
In Utah, after coverage has been in effect two years, nonfraudulent statements about insurability cannot be used to void the policy or deny claims.
4. Under the reinstatement provision of a health policy, when a lapsed policy is reinstated, losses from sickness are generally covered:
After a stated waiting period such as ten days following reinstatement
A reinstated Utah policy covers accidents occurring after reinstatement and sickness beginning more than 10 days after reinstatement.
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.
