What must be delivered at the time of application or upon delivery of the policy?

The outline of coverage is a required document that provides important information to the applicant regarding the terms, benefits, and limitations of a health insurance policy. It serves as a clear and concise guide, helping applicants understand what they are purchasing and ensuring that they are fully informed about their coverage. Delivering this outline at the time of application or upon policy delivery is crucial for transparency and to assist in making informed decisions.

In contrast, while investigative consumer reports and notices to applicants have their roles in the insurance process, they may not necessarily require delivery at the same critical juncture as the outline of coverage. Similarly, a written policy summary, while informative, is not mandated to be delivered at the exact time of application or policy delivery in the same way as the outline of coverage. This adherence to providing the outline ensures that consumers are empowered with the information they need to understand their policy right from the start.