Disposiciones de Pólizas A&SPregunta 638 de 716
A conditionally renewable health policy permits the insurer to non-renew:
a.Only for reasons stated in the policy, such as reaching an age or leaving employment — never for declining health
b.For any reason, including the insured's declining health
c.Never decline renewal under any circumstance, so the coverage effectively continues for the insured's entire lifetime automatically
d.Only during the first policy year
Explicación
Conditionally renewable lets the insurer decline renewal only for specified events (age, employment status), but not because the insured's health worsened. It is more restrictive to the insured than guaranteed renewable but not a free hand for the insurer.
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Preguntas relacionadas de este tema
- 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 'guaranteed renewable' health policy allows the insurer to:
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Revisado por John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verificar)