An individual sickness and accident policy returned within the 10-day free-look period does not provide pro rata coverage. What happens to the policy?

Why A is correct

ORC 3923.31 provides that when a returned individual sickness and accident policy does not provide pro rata coverage, the policy is void from the beginning, so the parties are restored as though coverage never existed and the full premium is returned. This contrasts with pro rata policies, which are charged only a per diem for the days in force. The void-from-the-beginning treatment is a distinctive feature of Ohio's 10-day right to examine that the Ohio Department of Insurance tests on the examination.

Why the other options are wrong

• B) The policy does not linger in force for any period; upon return without pro rata coverage it is void from the beginning under ORC 3923.31.
• C) Conversion to a single-premium nonrenewable policy is nonsensical — that product category is actually excluded from the free-look right altogether.
• D) The rescission right is the policyholder's unconditional right under ORC 3923.31 and does not depend on the insurer's agreement.

Memory hook

No pro rata, no footprint: void from the start.