An individual accident and sickness policy may NOT be contested, EXCEPT for non-payment of premiums, after it has been in force for how long?

An individual accident and sickness policy can typically be contested by the insurer, including reasons beyond non-payment of premiums, within the initial 6 months of being in force. During this period, the insurer may investigate and challenge claims based on various policy provisions and requirements.

Within the first year of an individual accident and sickness policy being active, the insurer retains the right to contest claims for reasons other than non-payment of premiums. This timeframe allows the insurer to assess the accuracy and validity of claims during the early stages of the policy.

While a policy's contestability period can vary between insurance companies and policy types, waiting for 5 years before an individual accident and sickness policy becomes non-contestable is generally longer than the industry standard. Most policies establish the 2-year mark as the point where contestability significantly decreases.