On which date would Sonya have coverage if she paid the premium on May 15 with the effective date indicated as May 30?

The effective date of an insurance policy is the date from which coverage begins, meaning that until that date, even if a premium is paid, coverage is not in effect. In this case, Sonya paid her premium on May 15, but her coverage will not start until the effective date, which is specified as May 30. Therefore, she would have coverage starting on May 30, aligning with the effective date indicated in her policy. This means that any claims or benefits associated with the policy would only be available from this date onwards. Prior to May 30, even after paying the premium, she would not be covered by the policy. Understanding the distinction between the premium payment date and the effective date is crucial in health and accident insurance.