Disposiciones de Pólizas A&SPregunta 517 de 716
The free-look provision in a health insurance policy allows the policyowner to:
a.Change which family members are insured under the policy without the insurer's consent
b.Permanently increase the policy's benefit amounts beyond those originally issued without any further underwriting
c.Skip paying the first premium and still have the coverage take effect on the policy date
d.Examine the policy for a stated number of days and return it for a full premium refund if not satisfied
Explicación
The free-look provision gives the policyowner a set number of days after receiving the policy to review it and, if dissatisfied for any reason, return it for a full refund of premium as though it were never issued. It does not let the owner skip a premium, change the insured, or increase benefits. The free look is a consumer protection ensuring buyers have time to make sure the coverage meets their needs before committing.
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Revisado por John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verificar)