Legislation
ARTICLE 32
Insurance Contracts - Life, Accident and Health, Annuities
Insurance (ISC) CHAPTER 28
ARTICLE 32
INSURANCE CONTRACTS - LIFE, ACCIDENT AND HEALTH, ANNUITIES
Section 3201. Approval of life, accident and health, credit
unemployment, and annuity policy forms.
3202. Withdrawal of approval of policy forms.
3203. Individual life insurance policies; standard provisions
as to contractual rights and responsibilities of
policyholders and insurers.
3204. Policy to contain entire contract; statements of
applicant to be representations and not warranties;
alterations.
3205. Insurable interest in the person; consent required;
exceptions.
3206. Policies which provide for an adjustable maximum rate of
interest on policy loans.
3207. Life insurance contracts by or for the benefit of
minors; on the lives of minors, limitations on amount.
3208. Antedating of life insurance policies and burial
agreements prohibited.
3209. Life insurance, annuities and funding agreements
disclosure requirements.
3210. Incontestability after reinstatement.
3211. Notice of premium due under life or disability insurance
policy; notice to assignees of non-payment of premium.
3212. Exemption of proceeds and avails of certain insurance
and annuity contracts.
3213. Payment of proceeds.
3214. Interest upon proceeds of life insurance policies and
annuity contracts.
3215. Disability benefits in connection with life insurance
and annuities.
3216. Individual accident and health insurance policy
provisions.
3217. Minimum standards in the form, content and sale of
accident and health insurance; policies and subscriber
contracts.
3217-a. Disclosure of information.
3217-b. Prohibitions.
3217-c. Primary and preventive obstetric and gynecologic care.
3217-d. Grievance procedure and access to specialty care.
3217-e. Choice of health care provider.
3217-f. Prohibition on lifetime and annual limits.
3217-g. Maternal depression screenings.
3217-h. Telehealth delivery of services.
3217-i. Essential health benefits package and limit on
cost-sharing.
3217-j. Coverage for medically fragile children.
3218. Medicare supplemental insurance policies.
3219. Annuity and pure endowment contracts and certain group
annuity certificates; standard provisions as to
contractual rights and responsibilities of contract
holders, certificate holders and insurers.
3220. Group life insurance policies; standard provisions.
3221. Group or blanket accident and health insurance policies;
standard provisions.
3222. Funding agreements.
3223. Group annuity contracts; standard provisions as to
contractual rights and responsibilities of contract
holders, certificate holders and annuitants, and
insurers.
3224. Standard claim forms; accident and health insurance.
3224-a. Standards for prompt, fair and equitable settlement of
claims for health care and payments for health care
services.
3224-b. Rules relating to the processing of health claims and
overpayments to physicians.
3224-c. Coordination of benefits.
3224-d. Prescription synchronization.
3225. Eligibility for health insurance in cases of exposure to
DES.
3226. Reinsurance contracts excepted.
3227. Interest upon surrenders, policy loans and other funds.
3228. Individual accident and health insurance policies;
premium refund at death of insured.
3229. Minimum benefit standards for certain long term care
plans.
3230. Accelerated payment of the death benefit or special
surrender value under a life insurance policy.
3231. Rating of individual and small group health insurance
policies; approval of superintendent.
3231*2. Health insurance policies and subscriber contracts;
prohibited claims.
3232. Pre-existing condition provisions in health policies.
3232-a. Certification of creditable coverage.
3233. Stabilization of health insurance markets and premium
rates.
3234. Pre-existing condition provisions in group and blanket
disability policies.
3234*2. Limitations on administrative services and stop-loss
coverage.
3235. Explanation of benefits forms relating to claims under
medicare supplemental insurance policies and limited
benefits health insurance policies or certificates
designed primarily to supplement medicare benefits.
3236. Public health law assessments.
3237. Health insurance coverage for full-time students on
medical leaves of absence.
3238. Pre-authorization of health care services.
3239. Wellness programs.
3240. Unclaimed benefits.
3240*2. Student accident and health insurance.
3241. Network coverage.
3242. Prescription drug coverage.
3243. Discrimination because of sex or marital status in
hospital, surgical or medical expense insurance.
3244. Explanation of benefits forms relating to claims under
certain accident and health insurance policies.
INSURANCE CONTRACTS - LIFE, ACCIDENT AND HEALTH, ANNUITIES
Section 3201. Approval of life, accident and health, credit
unemployment, and annuity policy forms.
3202. Withdrawal of approval of policy forms.
3203. Individual life insurance policies; standard provisions
as to contractual rights and responsibilities of
policyholders and insurers.
3204. Policy to contain entire contract; statements of
applicant to be representations and not warranties;
alterations.
3205. Insurable interest in the person; consent required;
exceptions.
3206. Policies which provide for an adjustable maximum rate of
interest on policy loans.
3207. Life insurance contracts by or for the benefit of
minors; on the lives of minors, limitations on amount.
3208. Antedating of life insurance policies and burial
agreements prohibited.
3209. Life insurance, annuities and funding agreements
disclosure requirements.
3210. Incontestability after reinstatement.
3211. Notice of premium due under life or disability insurance
policy; notice to assignees of non-payment of premium.
3212. Exemption of proceeds and avails of certain insurance
and annuity contracts.
3213. Payment of proceeds.
3214. Interest upon proceeds of life insurance policies and
annuity contracts.
3215. Disability benefits in connection with life insurance
and annuities.
3216. Individual accident and health insurance policy
provisions.
3217. Minimum standards in the form, content and sale of
accident and health insurance; policies and subscriber
contracts.
3217-a. Disclosure of information.
3217-b. Prohibitions.
3217-c. Primary and preventive obstetric and gynecologic care.
3217-d. Grievance procedure and access to specialty care.
3217-e. Choice of health care provider.
3217-f. Prohibition on lifetime and annual limits.
3217-g. Maternal depression screenings.
3217-h. Telehealth delivery of services.
3217-i. Essential health benefits package and limit on
cost-sharing.
3217-j. Coverage for medically fragile children.
3218. Medicare supplemental insurance policies.
3219. Annuity and pure endowment contracts and certain group
annuity certificates; standard provisions as to
contractual rights and responsibilities of contract
holders, certificate holders and insurers.
3220. Group life insurance policies; standard provisions.
3221. Group or blanket accident and health insurance policies;
standard provisions.
3222. Funding agreements.
3223. Group annuity contracts; standard provisions as to
contractual rights and responsibilities of contract
holders, certificate holders and annuitants, and
insurers.
3224. Standard claim forms; accident and health insurance.
3224-a. Standards for prompt, fair and equitable settlement of
claims for health care and payments for health care
services.
3224-b. Rules relating to the processing of health claims and
overpayments to physicians.
3224-c. Coordination of benefits.
3224-d. Prescription synchronization.
3225. Eligibility for health insurance in cases of exposure to
DES.
3226. Reinsurance contracts excepted.
3227. Interest upon surrenders, policy loans and other funds.
3228. Individual accident and health insurance policies;
premium refund at death of insured.
3229. Minimum benefit standards for certain long term care
plans.
3230. Accelerated payment of the death benefit or special
surrender value under a life insurance policy.
3231. Rating of individual and small group health insurance
policies; approval of superintendent.
3231*2. Health insurance policies and subscriber contracts;
prohibited claims.
3232. Pre-existing condition provisions in health policies.
3232-a. Certification of creditable coverage.
3233. Stabilization of health insurance markets and premium
rates.
3234. Pre-existing condition provisions in group and blanket
disability policies.
3234*2. Limitations on administrative services and stop-loss
coverage.
3235. Explanation of benefits forms relating to claims under
medicare supplemental insurance policies and limited
benefits health insurance policies or certificates
designed primarily to supplement medicare benefits.
3236. Public health law assessments.
3237. Health insurance coverage for full-time students on
medical leaves of absence.
3238. Pre-authorization of health care services.
3239. Wellness programs.
3240. Unclaimed benefits.
3240*2. Student accident and health insurance.
3241. Network coverage.
3242. Prescription drug coverage.
3243. Discrimination because of sex or marital status in
hospital, surgical or medical expense insurance.
3244. Explanation of benefits forms relating to claims under
certain accident and health insurance policies.