Reinstates a lapsed health policy

Joan asked her agent when will she have benefits if she reinstates a lapsed health policy. Her agent would be correct if he told her:

 10 days for accidents and 30 days for sickness
 Immediately for accidents and 10 days for sickness
 30 days for either sickness or accident, but there would be a new pre-existing condition period
 30 days for accidents and 60 days for sickness
Correct
The reinstatement provision states that a reinstated policy will cover accidents immediately, but will not cover sickness until 10 days have passed.