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Life and Health Insurance Producer Exam

Florida health policy provisions: practice questions

Our Life & Health Insurance bank has 7 questions on this topic. Here are 5 of them with answers; the full mock exam draws from every topic, like the real one.

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Question 1 · Florida

How long must a Florida health insured wait after giving proof of loss before suing on the policy?

  1. 1 year
  2. 6 months
  3. 10 days
  4. 60 days
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D. 60 days — Section 627.616.

Question 2 · Florida

Within how many days of receiving a claim must a Florida health insurer generally pay it, if it doesn't contest it?

  1. 15 days
  2. 45 days
  3. 90 days
  4. 120 days
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B. 45 days — Section 627.613(2).

Question 3 · Florida

Under Florida law, what is the latest a health claimant with legal capacity may give proof of loss?

  1. There is no outer limit as long as the policy is in force
  2. 90 days after the next renewal date of the policy
  3. 1 year after the time it was otherwise required
  4. 30 days after the date the loss occurred
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C. 1 year after the time it was otherwise required — Section 627.612: proof is normally due within 90 days.

Question 4 · Florida

After how long may a Florida health insurer use only fraudulent misstatements in the application to void the policy or deny a claim?

  1. 2 years from the issue date
  2. 5 years from the issue date
  3. 6 months from the issue date
  4. 10 years from the issue date
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A. 2 years from the issue date — Section 627.607 (time limit on certain defenses).

Question 5 · Florida

A Florida health insurer gets notice of claim but sends no claim forms within 15 days. What may the claimant do?

  1. Nothing; the claim lapses if forms aren't sent in time
  2. Wait until the forms arrive, however long that takes
  3. Send a written statement of the nature and extent of the loss as proof
  4. Sue the insurer at once for failing to send the forms
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C. Send a written statement of the nature and extent of the loss as proof — Section 627.611.

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