Which of the following is not an optional provision for health policies?

The option that is not an optional provision for health policies is the one that relates to reinstatement. Reinstatement provisions are commonly included in health insurance policies and outline the conditions under which a lapsed policy can be reinstated. This is a standard part of many health insurance contracts to ensure that policyholders have a clear understanding of the requirements for re-establishing coverage after a lapse.

In contrast, the other options represent optional provisions that insurers may choose to include or exclude based on state law or specific policy particulars. For example, the provision concerning intoxicants and narcotics typically addresses exclusions related to the use or abuse of drugs and is included at the insurer’s discretion. Similarly, the conformity with state statutes provision ensures that the policy complies with local laws, and it can vary depending on the jurisdiction. The provision regarding illegal occupation usually defines the terms related to injuries sustained while engaging in illegal activities, which is also subject to the insurer’s choices.

Thus, reinstatement is considered a standard provision in health policies rather than an optional one.