Upon reinstatement of an accident insurance policy, when does coverage begin?

When an accident insurance policy is reinstated, coverage begins immediately upon reinstatement. This means that as soon as the policyholder has completed the reinstatement process—which typically includes payment of any required premium and possibly providing evidence of insurability—coverage is in effect without a waiting period. This ensures that the policyholder is protected against any new accidents from that moment on, reinforcing the principle that reinstatement offers a seamless return to coverage for the individual.

If an individual were to face a period of waiting or if coverage were to resume only in the next month, there could be gaps in protection which the reinstatement process aims to eliminate. Immediate coverage upon reinstatement is a standard practice in the insurance industry, allowing policyholders to feel secure that their benefits are back in place without unnecessary delay.