In the context of denying insurance coverage, what is an applicant's right under the Information and Privacy Protection Act?

The correct choice highlights the applicant's right to access personal information affecting the decision regarding their insurance coverage. This right is a critical element of the Information and Privacy Protection Act, which is designed to ensure transparency and protection of personal data in insurance matters. By granting applicants access to the personal information used to assess their coverage, the act empowers them to understand why a particular coverage decision was made.

This right enables applicants to verify the accuracy of the information held about them and to challenge any inaccuracies that may have influenced the insurer's decision. It also aligns with the broader objectives of privacy protection, as individuals should have the ability to know what data is being collected and how it is being utilized, particularly in contexts that impact their financial and health-related decisions.

In contrast, the other options do not accurately reflect the provisions of the Information and Privacy Protection Act. For instance, appealing directly to federal authorities or changing application information without consequences do not align with established rights under this act, as they do not address the fundamental principle of transparency regarding the personal data used in insurance decision-making. Additionally, the right to receive a full refund of premiums does not pertain to access to information but rather relates to the financial aspects of insurance contracts.