Individual Accident and Health Insurance Policy Provisions
START
Question 1 of 10
Which of the following is not part of the uniform optional provisions? Select 1 option.
Illegal Occupation
Misstatement of Age and Sex
Physical Examination and Autopsy
Intoxicants and Narcotics
Question 1 of 10
Which of the following is not part of the uniform optional provisions? Select 1 option.
Illegal Occupation
Misstatement of Age and Sex
Physical Examination and Autopsy
Intoxicants and Narcotics
Question 2 of 10
Robert wants to seek recovery from his company under a policy. How many days must Robert wait after providing proof of loss, before legal action can be brought against his company? Select 1 option.
30 days
90 days
60 days
40 days
Question 2 of 10
Robert wants to seek recovery from his company under a policy. How many days must Robert wait after providing proof of loss, before legal action can be brought against his company? Select 1 option.
30 days
90 days
60 days
40 days
Question 3 of 10
What provision states that liability will be denied if the insured was committing an illegal act or is engaged in an illegal occupation? Select 1 option.
Intoxicants and Narcotics
Probationary Period
Elimination Period
Illegal Occupation
Question 3 of 10
What provision states that liability will be denied if the insured was committing an illegal act or is engaged in an illegal occupation? Select 1 option.
Intoxicants and Narcotics
Probationary Period
Elimination Period
Illegal Occupation
Question 4 of 10
Which of the following injuries or losses is not considered a common exclusion in health insurance policies? Select 1 option.
Substance abuse
Eye refractions
Dental expense
Self-inflicted injury
Question 4 of 10
Which of the following injuries or losses is not considered a common exclusion in health insurance policies? Select 1 option.
Substance abuse
Eye refractions
Dental expense
Self-inflicted injury
Question 5 of 10
What is the inability to perform any occupation for which the insured is reasonably suited by education, training, or experience? Select 1 option.
Partial disability
Residual disability
Total disability
Recurrent disability
Question 5 of 10
What is the inability to perform any occupation for which the insured is reasonably suited by education, training, or experience? Select 1 option.
Partial disability
Residual disability
Total disability
Recurrent disability
Question 6 of 10
What disability specifies the period that must lapse between two illnesses for a new set of benefits to be available for the second illness? Select 1 option.
Partial disability
Residual disability
Total disability
Recurrent disability
Question 6 of 10
What disability specifies the period that must lapse between two illnesses for a new set of benefits to be available for the second illness? Select 1 option.
Partial disability
Residual disability
Total disability
Recurrent disability
Question 7 of 10
If the insured is deceased and there is no beneficiary, to whom the pending claims will be paid? Select 1 option.
The state
The doctor who rendered the service
The deceased’s blood relatives
The deceased’s estate
Question 7 of 10
If the insured is deceased and there is no beneficiary, to whom the pending claims will be paid? Select 1 option.
The state
The doctor who rendered the service
The deceased’s blood relatives
The deceased’s estate
Question 8 of 10
In what situation can an insurer not conduct an autopsy at its own expense? Select 1 option.
When the cause of death is uncertain
When a state law forbids an autopsy
When the policy contains a provision allowing for an autopsy
When the deceased and their family object on religious grounds
Question 8 of 10
In what situation can an insurer not conduct an autopsy at its own expense? Select 1 option.
When the cause of death is uncertain
When a state law forbids an autopsy
When the policy contains a provision allowing for an autopsy
When the deceased and their family object on religious grounds
Question 9 of 10
What provision applies to new employees who must wait a certain period before they can enroll in the group plan? Select 1 option.
Consideration Clause
Insuring Clause
Probationary Period
Elimination Period
Question 9 of 10
What provision applies to new employees who must wait a certain period before they can enroll in the group plan? Select 1 option.
Consideration Clause
Insuring Clause
Probationary Period
Elimination Period
Question 10 of 10
What rider eliminates coverage for a specifically defined pre-existing condition, such as back injuries? Select 1 option.
Guaranteed Insurability Rider
Impairment Rider
Lifetime Benefit Rider
Rehabilitation Rider
Question 10 of 10
What rider eliminates coverage for a specifically defined pre-existing condition, such as back injuries? Select 1 option.
Guaranteed Insurability Rider
Impairment Rider
Lifetime Benefit Rider
Rehabilitation Rider
CONGRATS!
You should now feel more comfortable with individual accident and health insurance policy provisions.
Individual Accident and Health Insurance Policy Provisions
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Created on May 15, 2023
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Transcript
Individual Accident and Health Insurance Policy Provisions
START
Question 1 of 10
Which of the following is not part of the uniform optional provisions? Select 1 option.
Illegal Occupation
Misstatement of Age and Sex
Physical Examination and Autopsy
Intoxicants and Narcotics
Question 1 of 10
Which of the following is not part of the uniform optional provisions? Select 1 option.
Illegal Occupation
Misstatement of Age and Sex
Physical Examination and Autopsy
Intoxicants and Narcotics
Question 2 of 10
Robert wants to seek recovery from his company under a policy. How many days must Robert wait after providing proof of loss, before legal action can be brought against his company? Select 1 option.
30 days
90 days
60 days
40 days
Question 2 of 10
Robert wants to seek recovery from his company under a policy. How many days must Robert wait after providing proof of loss, before legal action can be brought against his company? Select 1 option.
30 days
90 days
60 days
40 days
Question 3 of 10
What provision states that liability will be denied if the insured was committing an illegal act or is engaged in an illegal occupation? Select 1 option.
Intoxicants and Narcotics
Probationary Period
Elimination Period
Illegal Occupation
Question 3 of 10
What provision states that liability will be denied if the insured was committing an illegal act or is engaged in an illegal occupation? Select 1 option.
Intoxicants and Narcotics
Probationary Period
Elimination Period
Illegal Occupation
Question 4 of 10
Which of the following injuries or losses is not considered a common exclusion in health insurance policies? Select 1 option.
Substance abuse
Eye refractions
Dental expense
Self-inflicted injury
Question 4 of 10
Which of the following injuries or losses is not considered a common exclusion in health insurance policies? Select 1 option.
Substance abuse
Eye refractions
Dental expense
Self-inflicted injury
Question 5 of 10
What is the inability to perform any occupation for which the insured is reasonably suited by education, training, or experience? Select 1 option.
Partial disability
Residual disability
Total disability
Recurrent disability
Question 5 of 10
What is the inability to perform any occupation for which the insured is reasonably suited by education, training, or experience? Select 1 option.
Partial disability
Residual disability
Total disability
Recurrent disability
Question 6 of 10
What disability specifies the period that must lapse between two illnesses for a new set of benefits to be available for the second illness? Select 1 option.
Partial disability
Residual disability
Total disability
Recurrent disability
Question 6 of 10
What disability specifies the period that must lapse between two illnesses for a new set of benefits to be available for the second illness? Select 1 option.
Partial disability
Residual disability
Total disability
Recurrent disability
Question 7 of 10
If the insured is deceased and there is no beneficiary, to whom the pending claims will be paid? Select 1 option.
The state
The doctor who rendered the service
The deceased’s blood relatives
The deceased’s estate
Question 7 of 10
If the insured is deceased and there is no beneficiary, to whom the pending claims will be paid? Select 1 option.
The state
The doctor who rendered the service
The deceased’s blood relatives
The deceased’s estate
Question 8 of 10
In what situation can an insurer not conduct an autopsy at its own expense? Select 1 option.
When the cause of death is uncertain
When a state law forbids an autopsy
When the policy contains a provision allowing for an autopsy
When the deceased and their family object on religious grounds
Question 8 of 10
In what situation can an insurer not conduct an autopsy at its own expense? Select 1 option.
When the cause of death is uncertain
When a state law forbids an autopsy
When the policy contains a provision allowing for an autopsy
When the deceased and their family object on religious grounds
Question 9 of 10
What provision applies to new employees who must wait a certain period before they can enroll in the group plan? Select 1 option.
Consideration Clause
Insuring Clause
Probationary Period
Elimination Period
Question 9 of 10
What provision applies to new employees who must wait a certain period before they can enroll in the group plan? Select 1 option.
Consideration Clause
Insuring Clause
Probationary Period
Elimination Period
Question 10 of 10
What rider eliminates coverage for a specifically defined pre-existing condition, such as back injuries? Select 1 option.
Guaranteed Insurability Rider
Impairment Rider
Lifetime Benefit Rider
Rehabilitation Rider
Question 10 of 10
What rider eliminates coverage for a specifically defined pre-existing condition, such as back injuries? Select 1 option.
Guaranteed Insurability Rider
Impairment Rider
Lifetime Benefit Rider
Rehabilitation Rider
CONGRATS!
You should now feel more comfortable with individual accident and health insurance policy provisions.