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Assembly Bill A6559

2019-2020 Legislative Session

Relates to eligibility for life insurance based upon pre-existing medical conditions

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Archive: Last Bill Status - In Assembly Committee

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2019-A6559 (ACTIVE) - Details

Current Committee:
Assembly Insurance
Law Section:
Insurance Law
Laws Affected:
Add §3242, Ins L

2019-A6559 (ACTIVE) - Summary

Prohibits any life insurance company, providing a policy with coverage up to $500,000, from denying or canceling the policy for an individual who has a pre-existing medical condition; excludes a terminal diagnosis and participation in high risk activities.

2019-A6559 (ACTIVE) - Bill Text download pdf 

                            
 
                     S T A T E   O F   N E W   Y O R K
 ________________________________________________________________________
 
                                   6559
 
                        2019-2020 Regular Sessions
 
                           I N  A S S E M B L Y
 
                              March 11, 2019
                                ___________
 
 Introduced  by  M. of A. KOLB -- read once and referred to the Committee
   on Insurance
 
 AN ACT to amend the insurance law, in relation to eligibility  for  life
   insurance based upon pre-existing medical conditions
 
   THE  PEOPLE OF THE STATE OF NEW YORK, REPRESENTED IN SENATE AND ASSEM-
 BLY, DO ENACT AS FOLLOWS:

   Section 1. The insurance law is amended by adding a new  section  3242
 to read as follows:
   § 3242. ELIGIBILITY FOR LIFE INSURANCE BASED UPON PRE-EXISTING MEDICAL
 CONDITIONS.  (A)  NOTWITHSTANDING  ANY PROVISION OF LAW TO THE CONTRARY,
 FOR ANY POLICY PROVIDING COVERAGE UP TO FIVE HUNDRED  THOUSAND  DOLLARS,
 NO INSURER OR ENTITY AUTHORIZED TO DO THE KINDS OF BUSINESS SPECIFIED IN
 PARAGRAPH  ONE  OF  SUBSECTION  (A)  OF SECTION ONE THOUSAND ONE HUNDRED
 THIRTEEN OF THIS CHAPTER SHALL INCLUDE ANY PRE-EXISTING  MEDICAL  CONDI-
 TIONS IN DETERMINING PREMIUM RATES FOR THE INSUREDS.
   (B) NO POLICY AUTHORIZED BY PARAGRAPH ONE OF SUBSECTION (A) OF SECTION
 ONE THOUSAND ONE HUNDRED THIRTEEN OF THIS CHAPTER, PROVIDING COVERAGE UP
 TO  FIVE  HUNDRED  THOUSAND  DOLLARS, SHALL BE DENIED OR CANCELED BY THE
 INSURER, OR THE TERMS AND CONDITIONS  OF  SUCH  POLICY  ALTERED  BY  THE
 INSURER, SOLELY ON THE BASIS OF AN INDIVIDUAL HAVING ONE OR MORE PRE-EX-
 ISTING MEDICAL CONDITIONS.
   (C)  NOTHING IN THIS SECTION SHALL PROHIBIT A POLICY FROM BEING DENIED
 OR CANCELED BY THE INSURER, OR THE TERMS AND CONDITIONS OF  SUCH  POLICY
 ALTERED BY THE INSURER, OR THE PREMIUM RATES ADJUSTED BY THE INSURER, IF
 THE  INDIVIDUAL  HAS  RECEIVED  A  TERMINAL DIAGNOSIS FROM A HEALTH CARE
 PROVIDER OR PARTICIPATES IN HIGH  RISK  ACTIVITIES  INCLUDING,  BUT  NOT
 LIMITED  TO, SMOKING, VAPING, TOBACCO USE, BUNGEE JUMPING, SCUBA DIVING,
 PARACHUTING, CAR RACING, BIKE RACING, BOAT RACING, HANG GLIDING, SKIING,
 SNOWBOARDING, SURFING, WHITEWATER  RAFTING,  HOT  AIR  BALLOONING,  ROCK
 CLIMBING, MOUNTAIN CLIMBING, OR FLYING A PRIVATE PLANE.
   § 2. This act shall take effect immediately.
 
  EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
                       [ ] is old law to be omitted.

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