Under the cancellation provision required by N.Y. Ins. Law §3216(d)(2)(H) for individual accident and health policies, when may the insurer cancel the policy?

Why A is correct

Under N.Y. Ins. Law §3216(d)(2)(H), the insurer may cancel an individual accident and health policy only within the first 90 days after the date of issue, by written notice delivered to the insured or sent by first class mail to the insured's last address stating when, not less than 10 days thereafter, the cancellation takes effect. After that initial period the insurer cannot cancel mid-term; ending coverage later is governed by the limited nonrenewal grounds in §3216(g).

Why the other options are wrong

• B) Mid-term cancellation at any time is not permitted; the insurer's cancellation right is confined to the first 90 days after issue.
• C) Refusing to continue coverage at an anniversary is nonrenewal, a separate concept governed by §3216(g); the cancellation right runs only during the first 90 days.
• D) The window is 90 days, not 60, and written notice with a stated effective date of at least 10 days is always required.

Memory hook

Health cancellation: first 90 days only, on at least 10 days' written notice.