1. A health policy provision that limits or excludes coverage for conditions the insured had before the policy began is the:

Pre-existing condition provision

The pre-existing condition provision restricts coverage for conditions that existed before the policy's effective date, subject to law.

2. If an insured changes to a more hazardous job, the change of occupation provision generally allows the insurer to:

Adjust benefits to what the premium would buy at the more hazardous classification

The change of occupation provision lets the insurer adjust benefits or premium to reflect a more or less hazardous occupation.

3. If an insured misstated their age on a health policy, the insurer may at claim time:

Adjust benefits to what the premium would have purchased at the correct age

Under the misstatement of age provision, benefits are adjusted to what the premium paid would have bought at the correct age.

4. A health policy the insurer cannot cancel and on which the premium is guaranteed not to increase is described as:

Noncancelable

A noncancelable policy cannot be canceled and its premium cannot be increased, as long as premiums are paid.