Which provision in health insurance policies deals with age misstatement?

The provision in health insurance policies that addresses age misstatement is indeed the one that is specifically designated for this issue. Misstatement of age provisions are designed to clarify what happens if an insured individual inadvertently provides incorrect information regarding their age when applying for coverage.

If the age is wrongly stated, this provision typically allows the insurer to adjust the benefits payable in accordance with the correct age. For instance, if a policyholder misstates their age and it is later found to be incorrect, the insurer may pay benefits as if the insured had been of the correct age at the time the policy was issued or modified.

Other provisions, while important in health insurance contracts, do not specifically pertain to the issue of age misstatement. Proof of loss is concerned with the necessity for the insured to provide evidence of the loss to trigger benefits. Illegal occupation refers to exclusions in coverage when the insured engages in unlawful activities. Reinstatement addresses the process by which a lapsed policy can be renewed, focusing on missed premium payments rather than demographic inaccuracies related to age. Thus, the misstatement of age provision is uniquely relevant to inaccuracies in age reporting and determines how they affect the policy and its coverage benefits.