Which is NOT an optional policy provision mentioned?

The correct answer is that "continuation of benefits" is not an optional policy provision. In health insurance policies, certain provisions are considered standard and are typically mandatory, ensuring that individuals can retain their benefits even under specific circumstances, such as transitioning to a different plan.

The concept of continuation of benefits often relates to scenarios like COBRA (Consolidated Omnibus Budget Reconciliation Act), which mandates that employers with group health plans offer continued coverage to employees and their beneficiaries after certain qualifying events. This provision guarantees that employees can maintain health insurance coverage when they might otherwise lose it, thus protecting their access to necessary medical care.

In contrast, optional policy provisions like change of occupation, misstatement of age, and cancellation allow insurers to customize policies based on individual needs or risk assessments. These provisions can significantly affect the policyholder's rights and the insurance company's obligations but are not universally required within all health insurance contracts. Therefore, "continuation of benefits" stands out as a necessary safeguard, reinforcing the right to ongoing health coverage in critical times.