Optional Uniform Policy Provisions

Jean misstated her age on her health insurance application. According to the optional provisions of Uniform Policy Provisions Law, what is the insurer’s duty? Page 417

Which of the following is an effective means of controlling overinsurance in health coverage under optional provisions of Uniform Policy Provisions Law? Page 417

Russ has two identical health insurance policies from different insurers. He has an operation costing $10,000 and both policies would cover it. Under the optional provisions of Uniform Policy Provisions Law, how will the provider be paid? Page 418

Tad suffers a disability and is covered under both the accident and disability coverages of a single policy. Under the optional provisions of Uniform Policy Provisions Law, will Tad receive benefits? Page 419

Remaining disabled as a means of continuing to collect insurance is termed: Page 420

Tuck’s insurer cancels his health insurance policy. The company returns part of his last premium calling it “unearned,” and the company keeps a part of the premium calling it “earned.” This called a: Page 423

Ramona cancels her health insurance policy. The company retains a portion of her last premium paid above the earned premium and returns the remainder to Ramona. This is called a(n): Page 423

Under the optional provisions of Uniform Policy Provisions Law, if an insurance policy is in conflict with a state statute, which one prevails? Page 424

In an attempt to rob a pawn shop, Victor is accidentally shot in the back by his partner in crime and is permanently paralyzed. Under the optional provisions of Uniform Policy Provisions Law, will his health or disability income coverage respond? Page 424

Aaron has been a successful bank robber by profession. While robbing a large bank, he is shot with a shotgun in both legs by bystander. Under the optional provisions of Uniform Policy Provisions Law, will his health or disability income coverage respond? Page 424

Connie suffers an accidental heroin overdose, and she is in a coma for two months. Under the optional provisions of Uniform Policy Provisions Law, will her health insurance respond for coverage for treatment? Page 424