Free Individual Accident and Health Provisions Practice Questions
West Virginia Accident & Health exam — 123 practice questions.
Subtopics: Newborn coverage, Notice of claim, Claim forms, Proof of loss, Time of payment of claims, Physical exam and autopsy, Legal actions, Grace period, Reinstatement, Time limit on defenses, Change of occupation, Misstatement of age, Pre-existing condition, Renewability, Grace period - weekly, Grace period - annual, Reinstatement - conditional receipt, Notice of continuing disability, Late proof of loss, Periodic payments, Facility of payment, Assignment of benefits, Change of beneficiary, Incontestable alternative, Relation of earnings, Illegal occupation, Intoxicants and narcotics, Other insurance - medical, Conformity with statutes, Family policies, Renewability requirement, Type size, Age limit, Third-party ownership, Children's coverage, Adopted children, Court-ordered coverage, Newborn notice, Newborn congenital defects, Medicaid coordination, Claim decision timing, Late claim interest, Entire contract, Time limit on certain defenses, Payment of claims, 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, 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. West Virginia requires health policies that cover family members to cover a newborn child of the insured:
From the moment of birth
Benefits for children must apply to a newborn from the moment of birth, including congenital defects; if an added premium is required, the insurer may require notice and payment within 31 days to continue coverage.
2. Under the required notice of claim provision in West Virginia individual health policies, written notice must be given:
Within 20 days after the loss, or as soon as reasonably possible
Written notice of claim must be given within twenty days after the loss begins, or as soon thereafter as reasonably possible.
3. Under the claim forms provision, if the insurer does not furnish claim forms within 15 days after notice of claim, the claimant may:
Submit written proof describing the occurrence, character, and extent of the loss
If forms are not furnished within fifteen days, the claimant complies by submitting written proof covering the occurrence, character and extent of the loss within the proof of loss period.
4. For a claim other than a continuing (periodic) loss, the proof of loss provision requires written proof within:
90 days after the date of loss
Proof is due within ninety days after the loss; late proof is still accepted if furnished as soon as reasonably possible and, absent legal incapacity, within one year after it was otherwise due.
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.
