chapter 6b-health insurance policy provisions

disability income insurance normally excludes coverage for disabilities that arise from

active military duty

which of the following statements accurately describes the "time limit on certain defenses"?

after a stated period of time, claims cannot be denied due to material misrepresentation on the application

the change of occupation provision in a disability income policy states that, in the event the insured changes to a less hazardous occupation, which of the following may apply?

benefits can be increased in the event of a covered plan

An accident and health insurer has just received written proof of loss from one of its insureds. The insured must now wait 60 days before

bringing legal action against the insurer

An accident and health insurance policy's premium requirements are set forth in which of the following provisions?

consideration clause

which of the following reduces the opportunity for overinsurance?

coordination of benefits provision

which of the following health insurance provisions requires that the application becomes part of the policy?

entire contract clause

who is protected with the "other insurance with this insurer" provision?

insurance company

Which health policy clause specifies the amount of benefits to be paid?

insuring

Periodic health claim payments MUST be made at least

monthly

Tim is covered by an accident and health insurance policy that may not be changed in any way by the insurer up to a stated age, as long as the premiums are paid. What type of policy is this?

non-cancelable

which of the following health insurance plans charges a premium that cannot be increased?

non-cancelable

an insured is covered with a health insurance policy. If the insured and like to cancel the policy, he/she must

notify the insurance company in writing

the standard provisions of an accident and health insurance policy require that the

policy, endorsements, and attached papers constitute the entire contract

Omar is covered by a disability income policy. He is hurt while performing an occupation more hazardous than the occupation listed in his policy. The policy's change of occupation provision will have what effect?

reduce the benefit level

Kelly purchases a health insurance policy issued on a conditionally renewable basis. The insurance company has a right to refuse renewal of the policy for

specific reasons stated in the contract

the optionally renewable provision allows what party to cancel the contract?

the insurer

James is covered with health insurance by two different insurers. The "insurance with other insurers" provision in an individual health insurance policy allows an insurer to pay benefits to the insured on a pro-rata basis when

the insurer was not notified prior to the claim that the insured has other health coverage

under what circumstance does an accident and health insurer have the right to request an autopsy?

when not prohibited by state law

An insured files for an accident and health insurance policy claim eight days after the premium due date. The benefit payable is $500 and the overdue premium is $200. Assuming that the policy pays on a first-dollar basis and contains the unpaid premium provision, how much will the insurer pay?

$300

an insured most notify an insurer of a medical claim within how many days after an accident?

20 days