1. For an individual health policy with monthly premiums, the required grace period is generally:

10 days

Grace periods vary by mode: 7 days weekly, 10 days monthly, and 31 days for other modes.

2. Under the individual health time limit on certain defenses provision the insurer eventually cannot:

Contest the policy for misstatements except fraud

After the stated period, the insurer cannot void the policy or deny a claim for prior misstatements absent fraud.

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.