State RegulationsOH specificDifficulty 1/5
After receiving a new individual sickness and accident policy, how long does an Ohio policyholder have to return it and rescind for any reason?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
ORC 3923.31 gives every Ohio individual sickness and accident policyholder an unconditional right to examine the policy and return it for any reason at least until midnight of the 10th day after receiving it. The rights notice must be prominently printed on the first page of the policy. Note that the longer 30-day return windows apply to other products such as Medicare supplement and long-term care policies, while the individual A&H free look is the shorter 10-day right that the Ohio Department of Insurance tests candidates on.
Why the other options are wrong
- A) The 5-day figure belongs to the A&H nonrenewal notice rule before the premium due date, not the free-look period under ORC 3923.31.
- C) 20 days is not the Ohio A&H free-look period; the individual sickness and accident right to examine runs 10 days from receipt.
- D) 30 days is the return window for Medicare supplement, long-term care, and life replacement situations — not for an individual A&H policy under ORC 3923.31.
Memory hook
Ten days to change your mind, counted from delivery.