Free Individual Accident and Health Provisions Practice Questions
Virginia Accident & Health exam (series 11-06) — 112 practice questions.
Subtopics: Required provisions, Grace period, Reinstatement, Notice of claim, Proof of loss, Interest on claims, Physical exam and autopsy, Legal actions, Free look, Change of occupation, Entire contract, Incontestability, Free-look notice, Cancellation by insured, Required versus optional, Reinstatement premium, Proof of loss deadline, Payment of claims, Change of beneficiary, Notice of continued disability, Incontestable alternative, Cancellation by company, Relation of earnings, Intoxicants and narcotics, Unpaid premium, Form numbers, Unknown preexisting conditions, Military suspension, Prior coverage credit, Health policy timelines, Time limit on certain defenses, Claim forms, Time of payment of claims, Misstatement of age, Illegal occupation, 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, 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. Individual health policies in Virginia must contain certain required uniform provisions such as:
A grace period
The grace period is one of the required uniform provisions; change of occupation, illegal occupation, and other insurance are optional provisions under § 38.2-3504.
2. Under Virginia's required grace period provision, an individual health policy with monthly premiums must allow at least:
10 days
The grace period must be at least 7 days for weekly premium policies, 10 days for monthly premium policies, and 31 days for all others.
3. If a lapsed health policy is reinstated, coverage for sickness generally:
Covers sickness that starts more than 10 days later
A reinstated policy covers loss from injury sustained after reinstatement and sickness that starts more than 10 days after reinstatement.
4. Under Virginia's required notice of claim provision, written notice must be given within:
20 days after the loss starts, or as soon as reasonably possible
Written notice of claim must be given within 20 days after a covered loss starts or as soon as reasonably possible.
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.
