Uniform Optional Provisions (ID A/H/S)

When Sally filled out her hospital indemnity policy application, she mistakenly said she was born in 1954 rather than 1945. When Sally becomes hospitalized and files claims for this policy, the mistake is noticed. What will happen according to the Misstatement of Age/Sex provision?

Who created the 12 uniform required provisions and 4 uniform optional provisions that individual health insurance policies can contain?

According to the NAIC change of occupation optional provision, if the insured changes to a less hazardous occupation, the insurer upon receipt of proof of a the change in occupation,

According to the NAIC change of occupation optional provision, if the insured is injured or gets sick after changing to a more hazardous occupation,

Stuart broke into a private residence and was injured while skateboarding in the home’s basement. He had purchased health insurance one month prior to the accident, so he was upset when the insurance company denied his claim. Which is most likely true in this situation?