In an individual accident and sickness policy, which clause contains the insurer's basic promise to pay the benefits provided by the policy?

Why A is correct

The insuring clause is the provision that identifies the parties and states the insurer's agreement to pay the policy's benefits according to its terms, subject to the stated conditions. Under the policy-structure framework of the Ohio Revised Code as applied by the Ohio Department of Insurance, the insuring clause is recognized as the core grant of coverage in an individual A&H policy. The consideration clause instead records what each party gives, the entire-contract clause defines what documents make up the agreement, and the unpaid-premium provision deals with claim settlements.

Why the other options are wrong

• B) The consideration clause records the exchange of the premium and application statements for the insurer's promise; it does not itself contain the promise to pay.
• C) The entire-contract clause limits the policy documents to the policy and the endorsed application; it is not the grant of coverage.
• D) The unpaid-premium provision governs deducting overdue premiums from claim settlements, not the insurer's basic promise.

Memory hook

Insuring clause = the promise to insure.