XCEL CHAPTER 9 - HEALTH
INSURANCE POLICY PROVISIONS.
EXAM 2025 QUESTIONS AND ANSWERS
Which of the following is NOT a common exclusion for a medical expense policy? -
ANS Physical therapy
All of the following are functions of an insuring clause EXCEPT - ANS Primarily describes the
free-look period
Written notice for a health claim must be given to the insurer ___ days after the occurrence of
the loss. - ANS 20
After an insured gives notice of loss, what must he/she do if the insurer does not furnish forms?
- ANS File written proof of loss
A health insurance policy where the insurer has the right to terminate the policy for reasons
other than the insured's health is called - ANS conditionally renewable
This MANDATORY health policy provision states that the policy, including endorsements and
attached papers, constitutes - ANS the entire insurance contract between the parties
Richard owns an insurance policy that is renewable only at the option of the insurance
company. His policy is considered to be - ANS optionally renewable
1 @COPYRIGHT THEBRIGHT 2025/2026
INSURANCE POLICY PROVISIONS.
EXAM 2025 QUESTIONS AND ANSWERS
Which of the following is NOT a common exclusion for a medical expense policy? -
ANS Physical therapy
All of the following are functions of an insuring clause EXCEPT - ANS Primarily describes the
free-look period
Written notice for a health claim must be given to the insurer ___ days after the occurrence of
the loss. - ANS 20
After an insured gives notice of loss, what must he/she do if the insurer does not furnish forms?
- ANS File written proof of loss
A health insurance policy where the insurer has the right to terminate the policy for reasons
other than the insured's health is called - ANS conditionally renewable
This MANDATORY health policy provision states that the policy, including endorsements and
attached papers, constitutes - ANS the entire insurance contract between the parties
Richard owns an insurance policy that is renewable only at the option of the insurance
company. His policy is considered to be - ANS optionally renewable
1 @COPYRIGHT THEBRIGHT 2025/2026
