1. The right-to-examine (free look) provision in an individual health policy lets the insured:

Return the policy within a stated number of days for a full premium refund

The right-to-examine provision lets the policyowner return the policy within the stated period for a full refund of premium.

2. The change of occupation provision lets the insurer adjust benefits or premiums when the insured:

Moves to a more or less hazardous occupation

If the insured changes to a more or less hazardous occupation, the insurer may adjust the benefits or premium accordingly.

3. An optional health policy provision allowing the insurer to deny benefits for a loss sustained while the insured is committing a felony is the:

Illegal occupation and illegal acts provision

This optional provision lets the insurer exclude losses incurred while the insured is committing a felony or engaged in an illegal occupation.

4. The conformity with state statutes provision in a health policy automatically:

Amends any conflicting policy term to meet the minimum requirements of state law

This provision conforms any policy term that conflicts with state law to the law's minimum requirements as of the policy's effective date.