1. In an individual health policy, provisions such as 'change of occupation' are generally classified as:

Optional uniform provisions

Change of occupation is one of the optional uniform provisions an insurer may include in an individual health policy.

2. Under the change of occupation provision, if an insured takes a more hazardous job, the insurer may:

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

If the insured changes to a more hazardous occupation, benefits may be reduced to what the premium would have purchased at that risk class.

3. The physical examination and autopsy provision allows the insurer to:

Examine the insured or order an autopsy where not prohibited, at its own expense

This provision lets the insurer examine the insured during a claim or order an autopsy where allowed, at the insurer's expense.

4. The legal actions provision generally bars the insured from suing the insurer:

Until a set time has passed after submitting proof of loss

The legal actions provision prevents suit until a specified period has elapsed after proof of loss and limits how long after that suit may be brought.