How long must an accident and health insurance policy be in force before it cannot be contested by the insurer?

In New Jersey, an accident and health insurance policy cannot be contested by the insurer after it has been in force for two years, except for non-payment of premiums. This means that once the policy has been active for this period, the insurer is generally barred from denying a claim based on misrepresentation or fraud that may have occurred at the time of application.

This provision is designed to protect policyholders by providing them with a level of stability and assurance that their coverage will remain valid as long as they continue to pay their premiums. The law recognizes that after two years, individuals should not have to face the uncertainty of their claims being rejected based on issues that could have been addressed at the beginning of the policy.

The other time frames mentioned do not reflect the legal standards set forth regarding the contestability of health insurance policies in New Jersey. Therefore, the correct duration is crucial to understanding policyholder rights and the responsibilities of insurers in the state.