State RegulationsMA specificDifficulty 1/5
Which statement best describes the required policy provisions for individual accident and health policies delivered in Massachusetts?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
M.G.L. c. 175, § 108(3)(a) enumerates the required policy provisions that every individual accident and health policy delivered in Massachusetts must contain — including the entire-contract, time limit on certain defenses, grace period, reinstatement, claim procedures, physical examinations and autopsy, legal actions, change of beneficiary, and right-to-examine provisions. This statutory floor standardizes the consumer protections in every contract, while the separately enumerated optional provisions of § 108(3)(b) may be used only in the prescribed form.
Why the other options are wrong
- A) The required-provision list of M.G.L. c. 175, § 108(3)(a) is mandatory; insurers cannot pick and choose below the statutory floor.
- B) The mandate extends far beyond three provisions; § 108(3)(a) enumerates the full set, from entire contract through right to examine.
- D) Trade associations have no rulemaking authority over policy contents; the requirements come from M.G.L. c. 175, § 108(3)(a) and the Massachusetts Division of Insurance.
Memory hook
Section 108(3)(a) is the mandatory menu — every policy serves the whole list.