A&H Policy ProvisionsQuestion 26 of 716
Which California law sets the standardized required and optional provisions that every individual accident and health policy must follow?
a.The Uniform Individual Accident and Sickness Policy Provisions Law (UPPL)
b.The California Long-Term Care Insurance Act, which standardizes all A&H policy language
c.The Holden-Bagley Act, which prescribes the required provisions for group life contracts
d.The Knox-Keene Health Care Service Plan Act, which dictates individual A&H policy provisions
Explanation
The UPPL, codified beginning at Cal. Ins. Code §10350, divides A&H policy language into required and optional provisions. Knox-Keene governs HMOs; Holden-Bagley addresses life and disability; the LTC Act covers long-term care contracts.
Law Reference: Cal. Ins. Code §10350 et seq.This topic, taught in full in the California Life & Health Insurance Producer Exam guide. California Life & Health Insurance Producer Exam — Complete Study Guide (2026) — PDF + EPUB, $19.99 · 14-day refund →
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Related questions on this topic
- Under the Time Limit on Certain Defenses provision, after how many years from issue can the insurer no longer rescind an A&H policy for a non-fraudulent misstatement on the application?
- Sergio's individual health policy was issued four years ago. The insurer discovers that on the application he deliberately concealed a prior cancer diagnosis to obtain coverage. May the insurer rescind the policy?
- An individual A&H policy is paid on a monthly mode. What is the length of the required grace period?
- An A&H policy is reinstated on June 1. The insured suffers a covered injury on June 2 and is diagnosed with a covered sickness on June 7. Which loss(es) will the reinstated policy cover?
- Within how many days after a covered loss must written notice of claim be given to the insurer under the standard required provision?
- After receiving a notice of claim, within how many days must the insurer furnish claim forms to the claimant?
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PrepPass team · Verified against California Life & Health Insurance License Exam · How we review
Reviewed by John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verify)