Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Virginia-Life-Annuities-and-Health-Insurance Question # 12 Topic 2 Discussion
Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Virginia-Life-Annuities-and-Health-Insurance Question # 12 Topic 2 Discussion
In health insurance, the "entire contract" refers to all the documents that collectively form the legal agreement between the insurer and the policyholder.
This includes the insurance policy itself (the main document outlining coverage), any endorsements (modifications or additions to the policy), and attached papers such as the application (if attached).
The completed application (A) is part of the contract only if attached, but it alone does not constitute the entire contract.
Uniform mandatory policy provisions (C) are specific clauses required by law within the policy, not the whole contract.
Notice of coverage (D) is a notification, not the contract itself.
Therefore, the correct answer is "entire contract."
The concept of the "entire contract" is a standard provision in health and life insurance policies. Per the Virginia insurance study guide, the entire contract clause ensures that all terms and conditions are contained within the policy, endorsements, and attached documents (like the application), protecting both parties by defining the full scope of the agreement. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Policy Provisions and Contracts."
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