Which health policy provision states that the agent cannot change the policy or waive its provisions?

The provision that states an agent cannot change the policy or waive its provisions is the Entire Contract provision. This provision ensures that the health insurance policy, along with the application and any amendments documented in writing, constitutes the complete and final agreement between the insurer and the insured. This means that no verbal statements or informal agreements made by the agent can modify the rights and obligations laid out in the policy itself.

The specificity of the Entire Contract provision protects both the insurer and insured by maintaining clarity and stability in the contract terms, thereby minimizing misunderstandings or disputes. It emphasizes that any change to the policy must be executed in writing and approved by the insurer, reinforcing the integrity of the original agreement.

In contrast, exclusions and limitations pertain to specific conditions or scenarios that are not covered by the policy. Renewability refers to the terms under which a policy may be renewed, focusing on the continuity of coverage rather than the authority of agents. The grace period provision deals with the timeframe an insured has to make a premium payment before coverage lapses. Each of these options addresses different aspects of health insurance policies, but it is the Entire Contract provision that specifically governs the agent's authority to alter the terms of the policy.