Uniform Policy Provisions, Health Insurance

Basic contract language in individual health and accident insurance policies. These provisions are required under a model state law known as the Uniform Individual Accident and Sickness Policy Provisions Act. The uniform provisions, some mandatory and some optional under the model act, deal with such questions as proof of loss, medical examination, claims notice, claims forms, policy renewal, and premium grace period. The act does not require companies to adopt exact wording in their policies but to substantially follow the provision guidelines.