1. The required and optional provisions for an individual New York accident and health policy are set out in:

Section 3216

Section 3216 specifies the required and optional uniform provisions for individual accident and health policies.

2. An individual New York accident and health policy must give the insured a right to return (free look) of at least:

10 days

New York requires that an individual accident and health policy be returnable for a refund during a free-look period of at least 10 days.

3. The standardized provisions that must appear in individual health insurance policies come from the:

Uniform Individual Accident and Sickness Policy Provisions Law

The Uniform Individual Accident and Sickness Policy Provisions Law sets the required and optional provisions adopted by states.

4. When a lapsed health policy is reinstated, coverage for a sickness generally begins:

After 10 days

A reinstated health policy covers accidents immediately but sickness only after 10 days, to deter adverse selection.