AM Central Time. This contract along with any amendments and your application constitutes the entire agreement under which payments are made. We will pay the benefits set forth in this contract. Benefit payment is governed by all the terms, conditions, and limitations of this contract. This contract may be amended in accordance with state and federal law. Notice will be provided at least 30 calendar days in advance of any amendment taking effect except where earlier effective date is required under state or federal law. Any such amendment will not affect a claim starting before the amendment takes effect. This contract has been issued and delivered to you in Minnesota. Except as otherwise stated in this contract, this contract will be governed by federal law and the laws of Minnesota. This contract was issued on the basis that the information on your application was correct and complete. If any of this information provided was not correct, write to us within ten calendar days of receipt of this contract. An error or omission on your application or in your enrollment process, as applicable, may cause us to ask you to pay an increased premium. If you misstate your age or make other unintentional errors, PIC will refund overpayments or collect the balance due based on your correct age. PIC can rescind your coverage for intentional misrepresentation, or fraud. After your coverage under this contract is validly in effect, its validity cannot be contested unless you (or anyone seeking coverage on your or your dependent’s behalf, including a personal representative) performed an act, practice, or omission that constitutes fraud, or you or your dependent made an intentional misrepresentation of material fact (including a misleading omission of material fact). “Material facts” may include, for example, statements or omissions on the application or in the enrollment process, as applicable, made as part of your enrollment and claims for coverage or reimbursement that misrepresent an individual’s continuing status as a dependent.
AM Central Time. This contract along with any amendments and your application constitutes the entire agreement under which payments are made. We will pay the benefits set forth in this contract. Benefit payment is governed by all the terms, conditions, and limitations of this contract. This contract may be amended at any time without your consent. Notice will be provided at least 30 calendar days in advance of any amendment taking effect. Any such amendment will not affect a claim starting before the amendment takes effect. This contract has been issued and delivered to you in Minnesota. Except as otherwise stated in this contract, this contract will be governed by federal law and the laws of Minnesota. This contract was issued on the basis that the information on your application was correct and complete. If any of this information provided was not correct, write to us within ten calendar days of receipt of this contract. An error or omission on your application or in your enrollment process, as applicable, may cause us to ask you to pay an increased premium. If you misstate your age or make other unintentional errors, PIC will refund overpayments or collect the balance due based on your correct age. PIC can rescind your coverage for intentional misrepresentation, or fraud. After your coverage under this contract is validly in effect, its validity cannot be contested unless you (or anyone seeking coverage on your or your dependent’s behalf, including a personal representative) performed an act, practice, or omission that constitutes fraud, or you or your dependent made an intentional misrepresentation of material fact (including a misleading omission of material fact). “Material facts” may include, for example, statements or omissions on the application or in the enrollment process, as applicable, made as part of your enrollment and claims for coverage or reimbursement that misrepresent an individual’s continuing status as a dependent.
