HRS §431:10H-111
Return your long-term care policy within 30 days for a refund
If you buy a long-term care insurance policy or certificate, you can return it within 30 days of getting it and get your premium back if you are not happy for any reason. The policy must have a notice about this right on the first page. This also applies if your application is denied, and the refund must be made within 30 days of the return or denial.
The statute, as written — Right to return; free look provision
Long-term care insurance applicants shall have the right to return the policy or certificate within thirty days of its delivery and to have the premium refunded if, after examination of the policy or certificate, the applicant is not satisfied for any reason. Long-term care insurance policies and certificates shall have a notice prominently printed on the first page or attached thereto stating in substance that the applicant shall have the right to return the policy or certificate within thirty days of its delivery and to have the premium refunded if, after examination of the policy or certificate, other than a certificate issued pursuant to a policy issued to a group defined in paragraph (1) of the definition of "group long-term care insurance" in section 431:10H-104, the applicant is not satisfied for any reason. This section shall also apply to a denial of an application for a long-term care contract. Any refund shall be made within thirty days of the return or denial.
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