Health Insurance Policy Provisions Practice Questions

Section VI of the general-knowledge outline · Texas General Lines Life, Accident and Health: 15 scored questions

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Ten questions on health policy provisions, clauses and riders, untimed, with a worked answer after each one.

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Free sample · Question 1 of 3Health policy provisions, clauses and riders

Under the uniform reinstatement provision, a reinstated health policy covers sickness that begins how many days after the reinstatement date?

Health policy provisions, clauses and riders on the exam

Outline section VI is 15 of the 100 general-knowledge questions. Most of it comes from the NAIC uniform policy provisions, which set the time limits every individual health policy must give the insured.

Outline
Section VI: The uniform mandatory and optional provisions, elimination and probationary periods, preexisting conditions, cost sharing, riders and renewability
Share of the exam
Life and Health general knowledge: 15 of 100 scored questionsTexas General Lines Life, Accident and Health: 15 of 130 scored questions
Our drill
10 questions from 54 on this section, untimed, a worked answer after each; one free attempt, unlimited with a pass
Line drawing of a wall calendar with three days circled, an envelope and a stopwatch

What to know

  • Grace period under the uniform provisions: at least 7 days for weekly premiums, 10 days for monthly premiums and 31 days for all other modes.
  • Claims run on a timetable: written notice of claim within 20 days of the loss; the insurer sends claim forms within 15 days of notice; proof of loss within 90 days, and never later than a year unless the insured lacks legal capacity.
  • Legal actions: the insured cannot sue before 60 days after filing proof of loss, nor more than three years after proof of loss was due.
  • A reinstated policy covers accidents from the reinstatement date and sicknesses that begin more than 10 days after it. If the insurer neither approves nor denies a reinstatement application, the policy is reinstated on the 45th day.
  • The elimination period is a waiting period before disability benefits start for each disability; the probationary period applies once, at the start of the policy, before sickness coverage begins.
  • Renewability: noncancelable policies must be renewed and the premium cannot rise; guaranteed renewable policies must be renewed, but premiums can rise for a whole class of insureds; optionally renewable and cancelable policies give the insurer more room.

Test yourself on health policy provisions, clauses and riders

Start the free health policy provisions, clauses and riders drill

Ten questions on health policy provisions, clauses and riders, untimed, with a worked answer after each one.

Or take the full Life and Health mock exam

Common questions

How many health policy provisions, clauses and riders questions are on the exam?

Section VI is 15 of the 100 scored general-knowledge questions on the Texas General Lines Life, Accident and Health exam.

Are these real exam questions?

No. No state or testing vendor does not release exam questions. These are original practice questions written to the published content outline, with a worked explanation and the source behind every answer.

More life and health sections

Outline and facts checked November 2026: Texas Insurance Content Outlines (effective September 1, 2026) · NAIC Uniform Individual Accident and Sickness Policy Provision Law · Texas Insurance Licensing Candidate Handbook.

Original independent practice questions written to the published Pearson VUE content outline. Not affiliated with or endorsed by Pearson VUE, the Texas Department of Insurance or any state insurance department.