Free Individual Accident and Health Provisions Practice Questions
Virginia Life, Accident & Health exam (series 11-01) — 80 practice questions.
Subtopics: Grace period, Notice of claim, Claim forms, Reinstatement, Time of payment, Entire contract, Change of occupation, Free look, Incontestability, Guaranteed renewable, Free-look notice, Cancellation by insured, Required versus optional, Reinstatement premium, Proof of loss deadline, Legal actions, 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, Required provisions, Proof of loss, Time of payment of claims, Physical exam and autopsy, Time limit on certain defenses, Optional provisions, Noncancelable, Optionally renewable, Conditionally renewable, Pre-existing condition, Free-look provision, Insuring clause, Misstatement of age, Relation of earnings to insurance, 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. An individual health policy's annual premium is paid late but within the grace period. What is the status of coverage during that period?
The policy stays in force
During the grace period (at least 31 days for annual-premium policies) the policy continues in force.
2. Virginia's required notice of claim provision gives the insured how long after a covered loss starts to give written notice?
20 days, or as soon as reasonably possible
Written notice of claim is due within 20 days after the loss starts or as soon as reasonably possible.
3. If the insurer does not furnish claim forms within 15 days after notice of claim, the claimant may:
Submit a written statement of the loss as proof
If claim forms are not furnished within 15 days of notice, the claimant meets the proof of loss requirement by giving a written statement of the nature and extent of the loss within the proof-of-loss period.
4. A lapsed individual health policy requires a reinstatement application. If the insurer neither approves nor disapproves it in writing, when is the policy reinstated?
The 45th day after the conditional receipt
Unless the insurer has disapproved in writing, the policy is reinstated on the 45th day after the conditional receipt; sickness is then covered if it starts more than 10 days later.
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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.
