Provisions Of Health Insurance Policies

Pursuant to the Texas Insurance Code, Section 1251.101, group accident, health, and accident and health insurance policies must contain several prescribed provisions that include the following:  premiums due must be remitted on or before the due date by the premium payors as designated in the policy and within any specified grace period;  the validity of the policy may not be contested except for nonpayment of premiums after it has been in force for two years from the date issued and that, in the absence of fraud, no statement made by any person covered by the policy relating to his or her insurability may be used in contesting the validity of the insurance with respect to which such statement was made after the insurance has been in force before the contest for two years during that person’s lifetime, nor unless it is contained in an instrument signed by him or her; Continue reading

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