State RegulationsOH specificDifficulty 1/5
Under Ohio law, the optional accident and sickness provisions — such as change of occupation, misstatement of age, insurance with other insurers, and unpaid premium — are best described as:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
ORC 3923.05 enumerates the optional provisions an individual accident and sickness policy may contain — change of occupation, misstatement of age, insurance with other insurers, expense-incurred and other-than-expense-incurred provisions, unpaid premium, conformity with statutes, and illegal occupation — but inclusion is permissive. The required provisions are the separate set prescribed by ORC 3923.04.
Why the other options are wrong
- B) Wrong because ORC 3923.05 is the optional-provisions statute; the mandatory list lives in ORC 3923.04.
- C) Wrong because these provisions are not banned; the statute affirmatively authorizes their use.
- D) Wrong because the optional provisions are available across individual A&H coverage generally, with no disability-income-only mandate.
Memory hook
3923.04 required, 3923.05 optional.