Which of the Following Statements About Provisions in Individual Health

Which of the following statements about provisions in individual health insurance policies is true?

A) Insurers are not permitted to place time limits on filing claims or providing proof of loss.
B) After a policy is in force for 3 months,the time limit on certain defenses provision prohibits the insurance company from denying a claim based on a fraudulent misstatement in the application.
C) The usual length of the grace period is 180 days.
D) Under the reinstatement provision,a health insurance policy that has lapsed can be put back in force.