New York Accident & Health Provisions & Mandates — New York Insurance Law — Life & Health Practice Test
24 questions in this topic · 24 drawn at random this round
Under the required "Time Limit on Certain Defenses" provision in N.Y. Insurance Law §3216(d), after a misstatement in the application, the insurer generally may no longer contest a claim (fraud aside) once the policy has been in force for:
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This New York Insurance Law — Life & Health New York Accident & Health Provisions & Mandates practice set has 24 practice questions based on the official exam materials, each with an instant explanation.
Sample questions
Three questions from the New York Accident & Health Provisions & Mandates bank with the correct answer and an explanation. The practice quiz above draws 24 questions at random from the same bank.
Under N.Y. Insurance Law §3201, before an accident and health insurance policy form may be delivered or issued for delivery in New York, the form must be:
- Filed with and approved by the Superintendent of Financial Services as conforming to law — Correct answer
- Filed with the National Association of Insurance Commissioners only
- Registered with the county clerk where the insurer's home office is located
- Reviewed only by the insurer's own legal department, with no state filing required
Explanation: N.Y. Ins. Law §3201 requires that no accident and health policy form be delivered or issued for delivery in New York unless it has first been filed with and approved by the Superintendent as conforming to the Insurance Law and not inconsistent with law.
Handbook: NY Accident & Health Provisions — Policy Form Filing and Approval
Under New York's expedited ("deemer") policy form filing procedure for accident and health forms, if the Superintendent does not act on a filing within the initial review period, the filing is:
- Deemed approved after 90 days if no objection is raised — Correct answer
- Automatically rejected after 90 days
- Held indefinitely until a hearing is scheduled
- Returned to the insurer with no further review rights
Explanation: Under the Department's expedited accident-and-health form-filing procedure (an alternative to standard §3201 filing), DFS has 90 days after receipt to act; if it does not, the filing is deemed approved. If the Department objects within that period, the insurer gets 45 days to respond, after which the Department has another 45 days to act before the filing is again deemed approved.
Handbook: NY Accident & Health Provisions — Expedited Form Filing
Under N.Y. Insurance Law §3216(a), up to what age must an individual accident and health policy that provides hospital, surgical, medical, or prescription drug coverage continue to cover an insured's unmarried dependent child (absent an earlier loss of dependent status for other reasons)?
- Age 26 — Correct answer
- Age 19
- Age 21
- Age 30
Explanation: §3216(a) defines "dependent children" for policies providing hospital, surgical, medical, or prescription drug coverage to include unmarried children up to age 26, regardless of student or financial-dependency status (a narrower definition, limited to full-time students up to 23, applies to non-medical accident and health policies).
Handbook: NY Accident & Health Provisions — Dependent Child Age Limits