Which of the following is not affected by the time limit on certain defenses in health insurance policies?

In health insurance policies, the time limit on certain defenses is designed to protect policyholders by preventing insurers from contesting claims based on certain grounds after a specific period, usually two years. The options presented relate to various aspects of the insurance contract.

Pre-existing conditions are affected by the time limit, as insurers can typically impose limitations on coverage for conditions that existed before the policy was effective, but these limitations often expire after a certain duration.

Fraudulent misstatements, however, are not subject to the same time limitations. If a policyholder commits fraud by misrepresenting information to the insurer, the insurer retains the right to deny claims or rescind the policy at any time, without being bound by a time limit. This ensures that policyholders cannot benefit from dishonest actions, reinforcing the importance of truthful declarations in obtaining insurance coverage.

Material misrepresentation also falls under the time limit on certain defenses; insurers can only contest claims based on material misrepresentations if raised within the specified period.

Non-payment of premiums is a different matter, as it pertains to the ongoing obligations of policyholders. While insurers typically can cancel a policy for non-payment at any time, this issue does not relate directly to the defenses that have time limits.

Thus, the