A&H Policy ProvisionsQuestion 636 of 716
A 'noncancelable' health policy guarantees that the insurer:
a.Can change the benefits whenever it wishes
b.Can never cancel and can never raise the premium above the amount stated in the policy, while premiums are paid, until a stated age
c.May raise the premium at any time
d.May refuse to renew the policy each year and may also increase the premium at any renewal based on the individual insured's changing health
Explanation
Noncancelable is the strongest renewal guarantee: the insurer can neither cancel nor increase the premium beyond the scheduled amount up to a stated age. It cannot non-renew or alter benefits at will.
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Related questions on this topic
- Subrogation in a health or medical policy allows the insurer, after paying a claim caused by a third party, to:
- The main purpose of subrogation is to:
- A recurrent disability provision states that if an insured returns to work but becomes disabled again from the same cause within a stated time (such as 6 months), it is treated as:
- An impairment (exclusion) rider on a health policy:
- A 'guaranteed renewable' health policy allows the insurer to:
- A conditionally renewable health policy permits the insurer to non-renew:
Last reviewed: · editorial process
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)