State RegulationsAZ specificDifficulty 2/5
A Mesa policyholder submits a reinstatement application with a conditional receipt for a lapsed health policy. The insurer approves the application on the 30th day after the receipt was issued. Under A.R.S. 20-1348, when did coverage resume?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
A.R.S. 20-1348 makes reinstatement effective on approval of the application or on the 45th day after the conditional receipt is issued, whichever occurs first. Because the Mesa insurer approved on the 30th day, that earlier date controls — the 45th day is only a backstop for insurer inaction, not a mandatory waiting period.
Why the other options are wrong
- A) The 45th day applies only when the insurer has not approved by then; earlier approval controls.
- B) No 10-day reinstatement trigger exists in A.R.S. 20-1348.
- C) Premium payment alone does not reinstate; the statute keys the effective date to approval or the 45th day.
Memory hook
First event wins: approval or day 45.