Individual Health Insurance Policy Provisions

Front 1

change of occupation provision

Back 1

more hazardous occupation less benefits
more safe occupation less premiums

Front 2

misstatement of age provision

Back 2

if insured misstates their age still entitled to benefits just at their actual age

Front 3

other insurance in the insurer provision

Back 3

limits total coverage the company assumes with one person dollar amount like 100,000. Mainly some someone doesnt receive a larger benefit than the loss

Front 4

other insurance with other insurer provision

Back 4

extends coverage to multiple insurers insured had prior knowledge of

Front 5

relations of earnings to insurance provision

Back 5

provide income payments in the insred becomes disabled (avoid overinsurance). Differs from other insurance with other insurers provision as benefit must be more than the insureds monthly income.

Front 6

unpaid premium provision

Back 6

addresses premiums not payed to insurer at the time of claim. insurer can deduct this amount from total benefit it owes insured

Front 7

cancellation provision

Back 7

insurer can cancel policy with 45 days notice for any reason. 45 day notice also required if insurer decides to change premium or not renew policy.

Front 8

illegal occupation provison

Back 8

cant participate in illegal activities