What is the initial requirement for an insured to qualify for benefits under the Waiver of Premium provision?

The correct choice is that the insured must be under a physician's care to qualify for benefits under the Waiver of Premium provision. This provision is designed to relieve the insured from paying premiums if they become disabled and are unable to work. However, the requirement of being under a physician's care emphasizes that the disability must be medically recognized and certified. This ensures that the claim for benefits is based on an actual need due to a legitimate medical issue, which is critical for both the insurer and the insured.

In many cases, insurers require ongoing medical documentation to evaluate the status of the insured's condition, but the core initial requirement specifically relates to the insured being under a physician's care. This establishes the validity of the claim and aligns with standard practices in health and disability insurance.