What does reinstatement in a health policy generally allow?

• A. Be reinstated after meeting certain conditions, such as paying past due premiums and possibly providing evidence of insurability.
• B. Be automatically reinstated without any action.
• C. Terminate the policy permanently.
• D. Reset the deductible to zero.

Answer: (A)

Reinstatement lets you bring a lapsed health policy back into force after you meet certain conditions. Typically you must pay any past-due premiums and may need to provide evidence of insurability to show you’re still eligible for coverage. There’s usually a reinstatement window and possibly medical underwriting or a waiting period for new benefits, especially for any conditions that occurred after the lapse. It’s not automatic—you have to apply and satisfy the requirements. Reinstatement does not terminate the policy, and it does not reset the deductible to zero; deductibles and other copayment terms remain as defined by the policy once reinstated.