State RegulationsNY specificDifficulty 1/5
Under New York law, the entire contract of an individual accident and health insurance policy consists of which of the following?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Under N.Y. Ins. Law §3216(d)(1)(A), the required entire contract provision makes the individual health policy, together with a copy of the application, the complete agreement between the insurer and the insured. Anything outside those documents, such as sales illustrations, oral statements, or the insurer's internal files, has no contractual effect. The policyholder can determine every right and obligation from the documents that actually form the contract.
Why the other options are wrong
- B) The application is expressly incorporated into the contract; it is not merely the insurer's property.
- C) Illustrations are marketing materials and are never part of the contract.
- D) The underwriting file is internal to the insurer and has no contractual status.
Memory hook
Policy + application = the whole story.