New York Insurance Law Article 32 - INSURANCE CONTRACTS - LIFE, ACCIDENT AND HEALTH, ANNUITIES
- 3201 - Approval of Life, Accident and Health, Credit Unemployment, and Annuity Policy Forms.
(a) In this article, "policy form" means any policy, contract, certificate, or evidence of insurance and any application therefor, or rider or endorsement thereto, affording...
- 3202 - Withdrawal of Approval of Policy Forms.
The superintendent may, in accordance with section three thousand one hundred ten of this chapter, withdraw an approval previously given to a policy form pursuant...
- 3203 - Individual Life Insurance Policies; Standard Provisions As to Contractual Rights and Responsibilities of Policyholders and Insurers.
(a) All life insurance policies, except as otherwise stated herein, delivered or issued for delivery in this state, shall contain in substance the following provisions,...
- 3204 - Policy to Contain Entire Contract; Statements of Applicant to Be Representations and Not Warranties; Alterations.
(a) (1) Every policy of life, accident or health insurance, or contract of annuity, delivered or issued for delivery in this state, shall contain the...
- 3205 - Insurable Interest in the Person; Consent Required; Exceptions.
(a) In this section: (1) The term, "insurable interest" means: (A) in the case of persons closely related by blood or by law, a substantial...
- 3206 - Policies Which Provide for an Adjustable Maximum Rate of Interest on Policy Loans.
(a) In this section: (1) The term "policy" includes: (i) life insurance policies subject to the provisions of item (ii) of subparagraph (F) of paragraph...
- 3207 - Life Insurance Contracts by or for the Benefit of Minors; on the Lives of Minors, Limitations on Amount.
(a) A minor above the age of fourteen years and six months shall be deemed competent to enter into a contract for, be the owner...
- 3208 - Antedating of Life Insurance Policies and Burial Agreements Prohibited.
(a) No insurer shall knowingly deliver or issue for delivery in this state any policy of life insurance that purports to have been issued or...
- 3209 - Life Insurance, Annuities and Funding Agreements Disclosure Requirements.
(a) Except as hereafter exempted, this section shall apply to any solicitation, negotiation or procurement of life insurance, annuities or funding agreements occurring within this...
- 3210 - Incontestability After Reinstatement.
Any policy of life or non-cancellable disability insurance or contract of annuity delivered or issued for delivery in this state that is reinstated shall be...
- 3211 - Notice of Premium Due Under Life or Disability Insurance Policy; Notice to Assignees of Non-Payment of Premium.
(a) (1) No policy of life insurance or non-cancellable disability insurance delivered or issued for delivery in this state, and no life insurance certificate delivered...
- 3212 - Exemption of Proceeds and Avails of Certain Insurance and Annuity Contracts.
(a) In this section: (1) The term "proceeds and avails", in reference to policies of life insurance, includes death benefits, accelerated payments of the death...
- 3213 - Payment of Proceeds.
Where the proceeds of a policy of life insurance delivered or issued for delivery in this state are payable, according to its terms, to two...
- 3214 - Interest Upon Proceeds of Life Insurance Policies and Annuity Contracts.
(a) If an action to recover the proceeds due under a policy of life insurance or contract of annuity delivered or issued for delivery in...
- 3215 - Disability Benefits in Connection With Life Insurance and Annuities.
(a) No policy of life insurance or contract of deferred annuity, which provides benefits by reason of the disability of the insured, including waiver of...
- 3216 - Individual Accident and Health Insurance Policy Provisions.
(a) In this section the term: (1) "Policy of accident and health insurance" includes any individual policy or contract covering the kind or kinds of...
- 3217 - Minimum Standards in the Form, Content and Sale of Accident and Health Insurance; Policies and Subscriber Contracts.
(a) The superintendent shall issue such regulations he deems necessary or desirable to establish minimum standards, including standards of full and fair disclosure, for the...
- 3217-a - Disclosure of Information.
The requirements of this section shall apply to all comprehensive, expense-reimbursed health insurance contracts; managed care health insurance contracts; or any other health insurance contract...
- 3217-b - Prohibitions.
(a) No insurer subject to this article shall by contract, written policy or written procedure prohibit or restrict any health care provider from disclosing to...
- 3217-c - Primary and Preventive Obstetric and Gynecologic Care.
(a) No insurer subject to this article shall by contract, written policy or procedure limit a female insured's direct access to primary and preventive obstetric...
- 3217-d - Grievance Procedure and Access to Specialty Care.
(a) An insurer that issues a comprehensive policy that utilizes a network of providers and is not a managed care health insurance contract as defined...
- 3217-e - Choice of Health Care Provider.
An insurer that is subject to this article and requires or provides for designation by an insured of a participating primary care provider shall permit...
- 3217-f - Prohibition on Lifetime and Annual Limits.
(a) An insurer shall not establish a lifetime limit on the dollar amount of essential health benefits in an individual, group or blanket policy of...
- 3217-g - Maternal Depression Screenings.
To the extent a policy provides coverage for maternal depression screening, no insurer subject to this article shall by contract, written policy or procedure limit...
- 3217-h - Telehealth Delivery of Services.
(a) An insurer shall not exclude from coverage a service that is otherwise covered under a policy that provides comprehensive coverage for hospital, medical or...
- 3218 - Medicare Supplemental Insurance Policies.
(a) In this section: (1) "Medicare" means the coverage of health care costs provided under subchapter XVIII of the federal Social Security Act, 42 U.S.C....
- 3219 - Annuity and Pure Endowment Contracts and Certain Group Annuity Certificates; Standard Provisions As to Contractual Rights and Responsibilities of Cont
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...
- 3220 - Group Life Insurance Policies; Standard Provisions.
(a) No policy of group life insurance shall be delivered or issued for delivery in this state unless it contains in substance the following provisions...
- 3221 - Group or Blanket Accident and Health Insurance Policies; Standard Provisions.
(a) No policy of group or blanket accident and health insurance shall, except as provided in subsection (d) hereof, be delivered or issued for delivery...
- 3222 - Funding Agreements.
(a) Any insurer authorized to deliver or issue for delivery annuity contracts in the state may deliver or issue for delivery one or more funding...
- 3223 - Group Annuity Contracts; Standard Provisions As to Contractual Rights and Responsibilities of Contract Holders, Certificate Holders and Annuitants, an
3223. Group annuity contracts; standard provisions as to contractual rights and responsibilities of contract holders, certificate holders and annuitants, and insurers. Except as otherwise provided...
- 3224 - Standard Claim Forms; Accident and Health Insurance.
(a) The superintendent shall establish standard claim forms for the services of hospitals, physicians and other health care providers to be used for all accident...
- 3224-a - Standards for Prompt, Fair and Equitable Settlement of Claims for Health Care and Payments for Health Care Services.
In the processing of all health care claims submitted under contracts or agreements issued or entered into pursuant to this article and articles forty-two, forty-three...
- 3224-b - Rules Relating to the Processing of Health Claims and Overpayments to Physicians.
(a) Processing of health care claims. This subsection is intended to provide uniformity and consistency in the reporting of medical services and procedures as they...
- 3224-c - Coordination of Benefits.
An insurer or organization or corporation licensed or certified pursuant to article forty-three or forty-seven of this chapter or article forty-four of the public health...
- 3225 - Eligibility for Health Insurance in Cases of Exposure to Des.
No policy of accident or health insurance, or group or blanket accident or health insurance or renewals thereof shall be denied or cancelled by the...
- 3226 - Reinsurance Contracts Excepted.
The provisions of this article shall not apply to contracts of reinsurance, except as otherwise provided by law.
- 3227 - Interest Upon Surrenders, Policy Loans and Other Funds.
(a) Interest, at the rate provided for in section three thousand two hundred fourteen of this article, shall be payable by life insurers, fraternal benefit...
- 3228 - Individual Accident and Health Insurance Policies; Premium Refund At Death of Insured.
If the death of the insured or a covered dependent occurs during a period for which the premium under an individual accident and health insurance...
- 3229 - Minimum Benefit Standards for Certain Long Term Care Plans.
(a) The minimum standards for an insurance plan, which may qualify under the partnership for long term care program pursuant to section three hundred sixty-seven-f...
- 3230 - Accelerated Payment of the Death Benefit or Special Surrender Value Under a Life Insurance Policy.
(a) The application for a life insurance policy or policy rider which provides for accelerated payment of death benefits or a special surrender value shall:...
- 3231 - Rating of Individual and Small Group Health Insurance Policies; Approval of Superintendent.
* (a) (1) No individual health insurance policy and no group health insurance policy covering between one and fifty employees or members of the group...
- 3231*2 - Health Insurance Policies and Subscriber Contracts; Prohibited Claims.
* 3231. Health insurance policies and subscriber contracts; prohibited claims. (a) For the purposes of this section the terms health care provider, practitioner, clinical laboratory...
- 3232 - Pre-Existing Condition Provisions in Health Policies.
Every individual health insurance policy and every group or blanket accident and health insurance policy issued or issued for delivery in this state which includes...
- 3232-a - Certification of Creditable Coverage.
(a) Every insurer who delivers or issues for delivery individual health insurance policies or group or blanket accident and health insurance policies shall provide to...
- 3233 - Stabilization of Health Insurance Markets and Premium Rates.
(a) Notwithstanding any provision of this chapter or any other chapter, on or before October first, nineteen hundred ninety-two the superintendent shall promulgate regulations to...
- 3234 - Pre-Existing Condition Provisions in Group and Blanket Disability Policies.
* (a) Every group or blanket policy issued or issued for delivery in this state which provides benefits by reason of the disability of the...
- 3234*2 - Limitations on Administrative Services and Stop-Loss Coverage.
* 3234. Limitations on administrative services and stop-loss coverage. No insurer, subsidiary of an insurer, or controlled person of a holding company system may act...
- 3234*3 - Explanation of Benefits Forms Relating to Claims Under Certain Accident and Health Insurance Policies.
* 3234. Explanation of benefits forms relating to claims under certain accident and health insurance policies. (a) Every insurer, including health maintenance organizations operating under...
- 3235 - Explanation of Benefits Forms Relating to Claims Under Medicare Supplemental Insurance Policies and Limited Benefits Health Insurance Policies or Cert
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...
- 3235-a - Payment for Early Intervention Services.
(a) No policy of accident and health insurance, including contracts issued pursuant to article forty-three of this chapter, shall exclude coverage for otherwise covered services...
- 3236 - Public Health Law Assessments.
Any insurer licensed pursuant to this chapter and any health maintenance organization certified pursuant to article forty-four of the public health law or licensed pursuant...
- 3237 - Health Insurance Coverage for Full-Time Students on Medical Leaves of Absence.
(a) Every individual health insurance policy and every group or blanket accident and health insurance policy that provides coverage for dependent children who are full-time...
- 3238 - Pre-Authorization of Health Care Services.
(a) An insurer, corporation organized pursuant to article forty-three of this chapter, municipal cooperative health benefits plan certified pursuant to article forty-seven of this chapter,...
- 3239 - Wellness Programs.
(a) An insurer licensed to write accident and health insurance, a corporation organized pursuant to article forty-three of this chapter, a health maintenance organization certified...
- 3240 - Unclaimed Benefits.
* (a) Definitions. For the purposes of this section: (1) "Account" means: (A) any mechanism, whether denoted as a retained asset account or otherwise, whereby...
- 3240*2 - Student Accident and Health Insurance.
* 3240. Student accident and health insurance. (a) In this section: (1)(A) "Student accident and health insurance" means a policy or contract of hospital, medical,...
- 3241 - Network Coverage.
(a) An insurer, a corporation organized pursuant to article forty-three of this chapter, a municipal cooperative health benefit plan certified pursuant to article forty-seven of...
Last modified: February 3, 2019