What constitutes the "entire contract" in an accident and health insurance policy?

In an accident and health insurance policy, the "entire contract" refers to a comprehensive compilation of all documents that are part of the agreement between the insurer and the insured. This includes the main policy document, any endorsements that may modify the terms or conditions of coverage, and any papers that are attached to the policy at the time it is issued, such as the application.

This definition establishes that the entire contract encompasses not just the policy text, but any supplementary documents that are integral to understanding the coverage provided. This is essential for ensuring that both parties are clear on the terms and conditions, as well as any endorsements that could alter the original agreement. In this context, the correct option reflects the need for a complete understanding of all components involved in the insurance contract.

The other options are limited in their scope. For example, only including the policy itself overlooks critical information that might be conveyed in endorsements and attached papers, which are essential for a full understanding of the coverage. Similarly, focusing solely on riders or application documents fails to recognize the broader context needed for a comprehensive contract understanding.