State RegulationsAZ specificDifficulty 1/5
Under A.R.S. 20-1345, what documents make up the entire contract of an individual health policy?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
A.R.S. 20-1345 makes the policy, together with the attached papers including the application, the entire contract of an individual health policy. Keeping the application inside the contract ensures the insured's representations travel with the policy, and nothing outside those documents can vary the parties' agreement.
Why the other options are wrong
- A) The attached papers, including the application, are part of the entire contract.
- B) Verbal promises by the agent are outside the entire contract and cannot vary its terms.
- D) The insurer's internal underwriting manual is not part of the contract delivered to the insured.
Memory hook
Policy plus the attached papers — nothing else counts.