Which of the following is NOT a required provision for an accident and health policy?

In Colorado accident and health insurance policies, a required provision specifically outlines the responsibilities and rights of both the insurer and the insured. One of these required provisions is the reinstatement clause, which allows a policyholder to reinstate their policy after it has lapsed, ensuring they have access to coverage after an unintentional oversight in premium payments. Additionally, a grace period is mandated, providing a timeframe during which the policyholder can pay overdue premiums without jeopardizing their coverage.

The incontestable clause is another essential requirement. This provision stipulates that after a certain time period—typically two years—the insurer cannot dispute the validity of the policy based on misstatements or omissions, which protects insured individuals from losing benefits due to minor inaccuracies in their application.

On the other hand, the inclusion of insurance with other insurers is not a mandatory provision. While policies may address situations involving other insurance, it does not have the same critical impact as the reinstatement, grace period, or incontestable provisions, making it the answer that is not required by law.