General Provisions (A/H)

Accident and health policies (other than limited accident and health policies or certificates issued to persons eligible for Medicare), shall contain a notice prominently printed on or attached to the cover or front page stating that the policyholder has the right to return the policy for any reason within __________ after its delivery.

According to coordination of benefits rules, for a child that is covered by both parents’ plan, which plan will be primary?

For limited accident and health policies or certificates issued to persons eligible for Medicare, the policyholder or certificate holder has the right to return the policy for any reason within ___________ after its delivery and to have the premium refunded.

For which type of policy renewability does the insurer have the right to increase the premiums, but does not have the right to terminate coverage for as long as the policyowner pays the premiums (up to a certain age, e.g. 65)?

If a person is covered by more than one insurance policy, what are the set of rules called that determine which policy will pay the medical expenses?

If the policyowner did not pay the premiums by the due date (but the policy is still active), the unpaid premium provision allows the insurer to ____________ the past due premiums from any benefits owed for a covered accident or illness.

Regarding conversion privileges for insured former spouse, an accident and health insurance policy, which in addition to covering the insured also provides coverage to the spouse of the insured, ____________ contain a provision for termination of coverage of a spouse covered under the policy, except by entry of a valid decree of divorce, legal separation, or annulment between the parties.

Regarding coordination of benefits, the plan that pays first is called what?

The conformity with state statutes provision says, “Any provision of this policy which, on its effective date, is in conflict with the statutes of the state in which the insured resides on such date is hereby amended to ____________ the minimum requirements of such statutes.”

Under which renewability clause does the insurer have NO right to make unilaterally any change in any provision of the policy to the detriment of the insured and cannot change the premium?

Utah insurance rules say that upon determining that a sale will involve replacement, an insurer, or its producer, shall furnish the applicant, prior to issuance or delivery of the policy,

When a policy is sold to take the place of another policy that will be cancelled, it is called what?

Which clause in an accident and health insurance policy states that the insurer provides coverage to the insured in exchange for the insured’s premiums and statements made on the insurance application?

Which provision in an accident and health insurance policy can be described as the “insurer’s promise to pay?”

Which renewability clause is better for the insured: noncancelable or guaranteed renewable?

Which type of renewability clause provides the insured with the most amount of control to continue coverage?