Mandatory uniform provision
By law, must be included in every individual accident and health insurance policy
Entire contract clause
Includes policy and provisions, a copy of the application, and any riders, waivers, or endorsements
Time of certain defenses
No statement or misstatement made in the application shall be used to deny a claim after policy been in force for 2 years
Fraudulent statement can be used to deny coverage without limitation
Grace period
7 days for weekly premium
10 days monthly premiums
31 days for all other premiums