State RegulationsAZ specificDifficulty 1/5
Under A.R.S. 20-1348, when does a lapsed individual health policy become reinstated if the insurer issued a conditional receipt and has not yet approved the reinstatement application?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
A.R.S. 20-1348 provides that with a conditional receipt, the policy is reinstated upon approval of the application or on the 45th day after the receipt was issued, whichever occurs first. Absent earlier approval, the 45th day operates as the automatic reinstatement date, ending any insurer delay.
Why the other options are wrong
- B) 10 days is the post-reinstatement sickness waiting figure, not the reinstatement date.
- C) 20 days is the notice-of-claim deadline under A.R.S. 20-1349, not a reinstatement trigger.
- D) 90 days is the proof-of-loss period under A.R.S. 20-1351, not a reinstatement trigger.
Memory hook
No answer from the insurer? Day 45 reinstates you.