How long must a policy be in force before an insurer is prohibited from denying claims based on misstatements made on the health policy application?

In most jurisdictions, insurers are typically prohibited from denying claims based on misstatements made on the health policy application after the policy has been in force for two years, a principle known as the "incontestability clause." This means that after this period, the insurer cannot contest the validity of the policy, except in cases of fraud. However, specific regulations can vary by state or country, so it's important to check the applicable laws in your area.