Free Individual Accident and Health Provisions Practice Questions
Wisconsin Accident & Health exam (series 22-03) — 102 practice questions.
Subtopics: Grace period, Reinstatement, Time limit on certain defenses, Notice of claim, Proof of loss, Payment of claims, Physical exam and autopsy, Legal actions, Change of beneficiary, Pre-existing conditions, Renewability, Misstatement of age, Right to return, Preexisting conditions, Change of occupation, Entire contract, Claim forms, Time of payment of claims, Illegal occupation, Intoxicants and narcotics, 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, 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, Free look, Exclusions, Benefit limits
Read the Individual Accident and Health Provisions study guide
Sample questions & answers
1. Under Wis. Stat. 632.78, what is the minimum grace period for an individual health policy with an annual premium?
31 days
Wis. Stat. 632.78 requires at least 7 days for weekly, 10 days for monthly and 31 days for all other premium modes, during which coverage continues.
2. Under Wis. Stat. 632.74, a lapsed individual health policy reinstated by the insurer's acceptance of premium will NOT cover:
Sickness that began between lapse and reinstatement
Wis. Stat. 632.74(2) excludes losses from accidents or sickness beginning between termination and reinstatement.
3. The time limit on certain defenses provision in a health policy:
Limits when misstatements can be contested
Wis. Stat. 632.76(1) bars avoiding a policy or denying a claim for non-fraudulent application statements after coverage has been in effect 2 years.
4. The notice of claim provision requires the insured to:
Tell the insurer of a loss in a set time
Notice of claim must be given within the policy's time; in Wisconsin late notice still counts if given as soon as reasonably possible and within one year, absent prejudice (Wis. Stat. 631.81).
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.
