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When an insurance policy period is from January 1, 2005 to ...
Sent to Legal Experts June 30 01:09 PM

When an insurance policy period is from January 1, 2005 to January 1, 2006, typically is the policy still in effect for the day of January 1, 2006? In other words, if no expiration TIME is listed in the policy, what TIME of day is the policy considered to be expired on last day?

Ex, If you have an insurance policy providing health coverage from 1/01/05 to 01/01/06, and you get treatment on 01/01/06, would that typically be covered by that policy??? (if the insure has not specified a time, i.e. 12:01 a.m etc.???

Thanks!

Customer (name blocked for privacy)
Status:  Closed   Value: $5
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June 30 1:18 PM (8 minutes and 7 seconds later)
         
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Hi,

The normal policy expires at midnight of the listed day. So if you received treatment at 01/01/06 at 11:55 you would be fine. But once it was Midnight it would then be 1/2/06 and you would then no longer be covered.

Walter



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June 30 1:56 PM (38 minutes and 30 seconds later)
         
Relist: I want a different opinion.
Customer (name blocked for privacy)
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June 30 3:13 PM (1 hour and 16 minutes and 45 seconds later)
         
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Stacy,

I am a former insurance agent and I agree with my colleague, Walter. That said, in my experience, most insurance polcies list an expiration time, in addition to the date.

Your Insurance Commissioner's Office can confirm this for you:

California Department of Insurance
State Insurance Commissioners Office
300 Capital Mall
Suite 1500
Sacramento, CA 95814
Main Phone: 1-916-492-3500
Fax: 1-916-445-4280

Let me know if you need more input. If not, thanks for the opportunity to assist you... Please honor my efforts by Clicking the green 'Accept' button (located within this post -- above-right). Adding a bonus -- should you wish to do so -- would be warmly welcomed.

Good Luck!

Steve


Edited by Oreport on June 30 2006 at 4:31 PM

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