Final answer:
The false statement is that a Mandatory Second Surgical Opinion is when the physician submits claim information prior to treatment to determine if the procedure is covered, which is incorrect. This procedure is designed to get a second opinion from another doctor before certain surgeries, not to confirm pre-treatment coverage.
Step-by-step explanation:
Among the provided statements about Accident and Health insurance contracts, the false statement is Mandatory Second Surgical Opinion is when the physician submits claim information prior to treatment, to determine in advance if the procedure is covered. This statement is erroneous because a Mandatory Second Surgical Opinion is actually a cost-control strategy used by insurance companies, requiring patients to obtain a second opinion from another doctor before undergoing certain surgical procedures. It is not a process for pre-treatment claim submission.
Changes in an Accident and Health contract do require the written consent of the insurer. When an insured is still within the grace period, the Unpaid Premium Provision indeed applies to any claims submitted, as it allows the insurer to deduct any owed premiums from any claim payment. A nonoccupational policy typically covers injuries or illnesses that occur outside of the job, and thus, these benefits would not be payable for on-the-job incidents.