A&H Policy ProvisionsQuestion 637 of 716
A 'guaranteed renewable' health policy allows the insurer to:
a.Cancel the policy at any time it chooses, provided only that it gives the insured advance written notice
b.Refuse renewal for a single insured
c.Guarantee renewal to a stated age but adjust premiums by class, not for one individual
d.Change an individual insured's benefits
Explanation
Guaranteed renewable means the insurer must renew to a stated age but may raise premiums for an entire class of insureds. It cannot cancel, single out one insured, or change benefits arbitrarily.
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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 'noncancelable' health policy guarantees that the insurer:
- 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)