Free Individual Accident and Health Provisions Practice Questions
Vermont Life, Accident & Health exam (series 14-29) — 74 practice questions.
Subtopics: Notice of claim, Claim forms, Conditionally renewable, Optionally renewable, Insuring clause, Pre-existing condition, Free look, Grace period, Time limit on certain defenses, Reinstatement, Proof of loss, Legal actions, Payment of claims, Time of payment, Change of beneficiary, Entire contract, Applications, Age limits, Required provisions, Time of payment of claims, Physical exam and autopsy, Optional provisions, Guaranteed renewable, Noncancelable, Free-look provision, 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, Pre-existing conditions, Probationary period
Read the Individual Accident and Health Provisions study guide
Sample questions & answers
1. The notice of claim provision in a health policy requires the insured to:
Notify the insurer of a loss within a stated time after it occurs
The notice of claim provision requires timely notice to the insurer, commonly within twenty days of a loss or as soon as reasonably possible.
2. Under the claim forms provision, if the insurer does not furnish claim forms within the required time, the insured may:
Submit written proof of loss in any reasonable form
If the insurer fails to supply claim forms on time, the insured may submit proof of loss in their own words within the proof-of-loss period.
3. A conditionally renewable health policy allows the insurer to:
Decline renewal only for reasons stated in the policy
A conditionally renewable policy may be nonrenewed only for conditions specified in the contract, such as the insured reaching a stated age.
4. An optionally renewable health policy gives the insurer the right to:
Refuse renewal on a policy anniversary or premium due date
An optionally renewable policy lets the insurer decline renewal at specified dates and adjust premiums by class.
All Life, Accident & Health 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.
