Question: Health insurance benefits NOT covered due to an act of war are

Answer: excluded by the insurer in the contract provisions

(Correct.) An exclusion is a provision that entirely eliminates coverage for a specified risk, such as an act of war or aviation.

Question: Which of the following statements describes what an Accident and Health policyowner may NOT do?

Answer: Adjust the premium payments

(Correct.) The owner of an Accident and Health policy may not change the premium amount.

Question: Which of the following statements describes the purpose of the Insuring clause in Health and Accident policies?

Answer: States the scope and limits of the coverage

(

“States the scope and limits of the coverage”. The purpose of the insuring clause is to specify the scope and limits of the coverage provided.

Question: If an individual has an Accidental Death and Dismemberment policy and dies, an autopsy can be performed in all these situations EXCEPT

Answer: When the state prohibits this by law

(Correct.) Applicable state laws that prevent an autopsy take precedence.

Question:

Answer: 45 days

(