The waiver of premium provision does NOT include which of the following?

The correct answer centers around the specifics of the waiver of premium provision in health insurance policies. This provision typically allows for the waiving of premium payments when the insured is disabled and unable to work. However, it does not account for situations where the insured recovers from their disability.

In practice, when an insured recovers from a disability, they are expected to resume paying their premiums. The waiver of premium provision generally only applies for the duration of the disability, meaning that once the insured has recovered, premiums must be reinstated. This aligns with the concept that the waiver is conditional upon the ongoing state of disability and does not extend benefits once the insured is capable of returning to work.

The other options reflect standard conditions often associated with waiver of premium provisions. The waiver typically applies as long as the insured meets certain requirements, such as being actively treated for their condition or having a long-term disability that qualifies under the terms of the policy. Similarly, policies can include stipulations on premium waivers within specified time frames, like the first year of disability. Therefore, the statement that future premiums are waived if the insured recovers is not included in the waiver of premium provision since recovery means returning to the responsibility of premium payments.