Which of the following is NOT included in an insuring clause of health insurance?

The insuring clause of a health insurance policy is a fundamental component that outlines the basic terms and agreements of the insurance contract. It typically includes vital details such as the identity of the insured and the identity of the insurer, ensuring that both parties are clearly defined. Additionally, the insuring clause specifies the types of losses that are covered under the policy, providing clarity on what situations or conditions will trigger the insurer's obligation to pay.

In contrast, a change of beneficiary provision is not part of the insuring clause. Instead, this provision relates to the policyholder's right to alter who will receive benefits in the event of a claim. While it is an important aspect of many insurance policies, it does not directly pertain to the core commitments outlined in the insuring clause, which primarily focuses on coverage and identity rather than beneficiary designations. Understanding these distinctions helps clarify the structure of health insurance policies and the significance of each component.