An application for individual health insurance must be:

The requirement for an application for individual health insurance to be in writing and to normally become part of the contract reflects standard industry practices. This means that when an applicant fills out a written application, that document serves as a critical source of information for the insurer in assessing risk and determining coverage.

By being in writing, the application provides a clear, permanent record of the information provided by the applicant, including personal details, medical history, and other relevant information. This written record not only protects the interests of the insurance company but also ensures that there is a tangible document that can be referenced in the event of a claim or dispute.

Furthermore, the stipulation that the application normally becomes part of the contract signifies that the information contained within the application is essential for the validity of the insurance policy. If there are misrepresentations or omissions, this could potentially affect coverage, and the insurer may have the right to deny claims based on the details outlined in the application.

In summary, the requirement highlights the importance of accurate, written communication in the insurance process, establishing a foundational element for the contractual agreement between the insurer and the insured.