State RegulationsAZ specificDifficulty 2/5
After an Arizona individual health policy is reinstated with a conditional receipt, how does A.R.S. 20-1348 treat coverage for accidents and for sicknesses?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
A.R.S. 20-1348 gives reinstated coverage a two-track treatment: accidents are covered immediately upon reinstatement, while sicknesses are covered only if they begin more than 10 days after reinstatement. This prevents someone from reinstating a lapsed policy to cover an illness that has already started.
Why the other options are wrong
- A) Immediate sickness coverage is precisely what the 10-day rule withholds.
- B) The 2-year figure belongs to the time limit on defenses under A.R.S. 20-1346 and the treatment is reversed here.
- C) Reinstatement with a conditional receipt takes effect on approval or the 45th day — no fresh application is required.
Memory hook
Accidents jump on day one; sickness waits past ten.