State RegulationsOH specificDifficulty 1/5
Under the cancellation provision required in Ohio individual sickness and accident policies, what does the provision state about cancellation by the insurer?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
ORC 3923.04(M) prescribes a cancellation provision whose key sentence is that the insurer may not cancel this policy. Cancellation authority rests solely with the insured, making Ohio individual A&H coverage one-sided on cancellation by design.
Why the other options are wrong
- A) Wrong because no notice-based insurer cancellation exists; ORC 3923.04(M) simply states the insurer may not cancel.
- C) Wrong because even nonpayment is handled through the grace period and lapse mechanics, not an insurer right of cancellation.
- D) Wrong because anniversary cancellation by the insurer is exactly what ORC 3923.04(M) forbids.
Memory hook
One-way door: only the insured can cancel.