Florida Statutes Part II - The Insurance Contract (Ss. 627.401-627.442)

• 627.401 - Scope Of This Part.
  No provision of this part of this chapter applies to:(1) Reinsurance.(2) Policies or contracts not issued for delivery in this state nor delivered in this state, except...
• 627.402 - Definitions.
  As used in this part, the term:(1) “Grandfathered health plan” has the same meaning as provided in 42 U.S.C. s. 18011, subject to the conditions for...
• 627.4025 - Residential Coverage And Hurricane Coverage Defined.
  (1) Residential coverage includes both personal lines residential coverage, which consists of the type of coverage provided by homeowner, mobile home owner, dwelling, tenant, condominium unit...
• 627.403 - “premium” Defined.
  “Premium” is the consideration for insurance, by whatever name called. Any “assessment,” or any “membership,” “policy,” “survey,” “inspection,” “service” or similar fee or charge in...
• 627.4035 - Cash Payment Of Premiums; Claims.
  (1) The premiums for insurance contracts issued in this state or covering risk located in this state shall be paid in cash consisting of coins, currency,...
• 627.404 - Insurable Interest; Personal Insurance.
  (1) Any individual of legal capacity may procure or effect an insurance contract on his or her own life or body for the benefit of any...
• 627.405 - Insurable Interest; Property.
  (1) No contract of insurance of property or of any interest in property or arising from property shall be enforceable as to the insurance except for...
• 627.406 - Power To Contract; Purchase Of Insurance By Or For Minor.
  (1) Any person of competent legal capacity may contract for insurance.(2) Any minor of the age of 15 years or more, as determined by the nearest birthday,...
• 627.407 - Alteration Of Application.
  No alteration of any written application for any life or health insurance policy shall be made by any person other than the applicant without his...
• 627.408 - Application As Evidence.
  (1) An application for the issuance of any life or health insurance policy or annuity contract is not admissible in evidence in an action relative to...
• 627.4085 - Insurer Name, Agent Name, And License Identification Number Required On Application.
  (1) All applications for an insurance policy or annuity contract shall prominently display the name of the insuring entity on the first page of the application...
• 627.409 - Representations In Applications; Warranties.
  (1) Any statement or description made by or on behalf of an insured or annuitant in an application for an insurance policy or annuity contract, or...
• 627.4091 - Specific Reasons For Denial, Cancellation, Or Nonrenewal.
  (1) The denial of an application for an insurance policy must be accompanied by the specific reasons for denial, including the specific underwriting reasons, if applicable.(2) Each...
• 627.40951 - Standard Personal Lines Residential Insurance Policy.
  (1) The Legislature finds that many consumers who filed property loss claims as a result of the hurricanes that struck this state in 2004 were inadequately...
• 627.410 - Filing, Approval Of Forms.
  (1) A basic insurance policy or annuity contract form, or application form where written application is required and is to be made a part of the...
• 627.4101 - Credit Insurance Enrollment Forms.
  All credit insurance enrollment forms must be approved by the office pursuant to the provisions of s. 627.410 or s. 627.682.History.—s. 11, ch. 2002-57; s....
• 627.4102 - Informational Filing Of Forms.
  (1) Property and casualty forms, except workers’ compensation and personal lines forms, are exempt from the approval process required under s. 627.410 if:(a) The form has been...
• 627.4105 - Life And Health Insurance; Reduced Premiums Upon Rigorous Physical Examination.
  Upon request, the office may approve special life and health insurance policy forms providing for reduced premiums for each applicant passing a rigorous physical examination.History.—s....
• 627.4107 - Government Employees Exposed To Toxic Drug Chemicals; Cancellation Of Life Or Health Policy Or Certificate Prohibited.
  No life or health insurer may cancel or nonrenew a life or health insurance policy or certificate of insurance providing coverage to a state or...
• 627.411 - Grounds For Disapproval.
  (1) The office shall disapprove any form filed under s. 627.410, or withdraw any previous approval thereof, only if the form:(a) Is in any respect in violation...
• 627.412 - Standard Provisions, In General.
  (1) Insurance contracts shall contain such standard or uniform provisions as are required by the applicable provisions of this code pertaining to contracts of particular kinds...
• 627.413 - Contents Of Policies, In General; Identification.
  (1) Every policy shall specify:(a) The names of the parties to the contract.(b) The subject of the insurance.(c) The risks insured against.(d) The time when the insurance thereunder takes effect...
• 627.4131 - Telephone Number Required.
  Each insurer issuing a policy subject to this part, or issuing a policy of title insurance, credit life insurance, or credit disability insurance in this...
• 627.4132 - Stacking Of Coverages Prohibited.
  If an insured or named insured is protected by any type of motor vehicle insurance policy for liability, personal injury protection, or other coverage, the...
• 627.4133 - Notice Of Cancellation, Nonrenewal, Or Renewal Premium.
  (1) Except as provided in subsection (2):(a) An insurer issuing a policy providing coverage for workers’ compensation and employer’s liability insurance, property, casualty, except mortgage guaranty, surety,...
• 627.4135 - Casualty Insurance Contracts Subject To General Provisions For Insurance Contracts.
  All contracts of casualty insurance covering subjects resident, located, or to be performed in this state shall be subject to the applicable provisions of this...
• 627.4136 - Nonjoinder Of Insurers.
  (1) It shall be a condition precedent to the accrual or maintenance of a cause of action against a liability insurer by a person not an...
• 627.4137 - Disclosure Of Certain Information Required.
  (1) Each insurer which does or may provide liability insurance coverage to pay all or a portion of any claim which might be made shall provide,...
• 627.4138 - Wrap-up Insurance Policies For Nonpublic Construction Projects.
  (1) As used in this section, the term:(a) “Specified contracted worksite” means construction being performed during one or more policy years at one site or multiple sites...
• 627.414 - Additional Policy Contents.
  A policy may contain additional provisions not inconsistent with this code and which are:(1) Required to be inserted by the laws of the insurer’s domicile;(2) Necessary, on...
• 627.4143 - Outline Of Coverage.
  (1) No private passenger automobile or basic homeowner policy shall be delivered or issued for delivery in this state unless an appropriate outline of coverage has...
• 627.4145 - Readable Language In Insurance Policies.
  (1) Every policy shall be readable as required by this section. For the purposes of this section, the term “policy” means a policy form or endorsement....
• 627.4147 - Medical Malpractice Insurance Contracts.
  (1) In addition to any other requirements imposed by law, each self-insurance policy as authorized under s. 627.357 or s. 624.462 or insurance policy providing coverage...
• 627.4148 - Medical Malpractice Insurers; Required Offer Of Coverage Limits.
  An insurer issuing policies of professional liability coverage for claims arising out of the rendering of, or the failure to render, medical care or services...
• 627.41495 - Public Notice Of Medical Malpractice Rate Filings.
  (1) Upon the filing of a proposed rate change by a medical malpractice insurer or self-insurance fund, which filing would result in an average statewide increase...
• 627.415 - Charter, Bylaw Provisions.
  No policy shall contain any provision purporting to make any portion of the charter, bylaws, or other constituent document of the insurer (other than the...
• 627.416 - Execution Of Policies.
  (1) Every insurance policy shall be executed in the name of and on behalf of the insurer by its officer, attorney in fact, employee, or representative...
• 627.417 - Underwriters’ And Combination Policies.
  (1) Two or more authorized insurers may jointly issue, and shall be jointly and severally liable on, an underwriters’ policy bearing their names. Any one insurer...
• 627.418 - Validity Of Noncomplying Contracts.
  (1) Any insurance policy, rider, or endorsement otherwise valid which contains any condition or provision not in compliance with the requirements of this code shall not...
• 627.419 - Construction Of Policies.
  (1) Every insurance contract shall be construed according to the entirety of its terms and conditions as set forth in the policy and as amplified, extended,...
• 627.4195 - Health Insurance; Claims For Payment Of Psychotherapeutic Services; Confidentiality.
  An insurer must maintain strict confidentiality against unauthorized or inadvertent disclosure of confidential information to persons inside or outside the insurer’s organization regarding claims for...
• 627.420 - Binders.
  Binders or other contracts for temporary property, marine, casualty, or surety insurance may be made orally or in writing, and shall be deemed to include...
• 627.4205 - Coverage Identification Number Required.
  An insurer shall provide to the named insured a coverage identification number no later than the time insurance coverage under a policy, binder, or other...
• 627.421 - Delivery Of Policy.
  (1) Subject to the insurer’s requirement as to payment of premium, every policy shall be mailed, delivered, or electronically transmitted to the insured or to the...
• 627.422 - Assignment Of Policies.
  A policy may be assignable, or not assignable, as provided by its terms. Subject to its terms relating to assignability, any life or health insurance...
• 627.423 - Payment Discharges Insurer.
  Whenever the proceeds of or payments under a life or health insurance policy or annuity contract become payable in accordance with the terms of such...
• 627.4232 - Health Insurance Out-of-hospital Benefits.
  No health insurance policy which provides coverage on a medical, hospital, or surgical expense-incurred basis shall be delivered or issued for delivery in this state...
• 627.4233 - Total Disability Defined.
  (1) If an individual or group policy of disability income insurance provides for the waiver of premiums or payment of claims upon total disability:(a) The policy must,...
• 627.4234 - Health Insurance Cost Containment Provisions Required.
  A health insurance policy or health care services plan which provides medical, hospital, or surgical expense coverage delivered or issued for delivery in this state...
• 627.4235 - Coordination Of Benefits.
  (1) A group hospital, medical, or surgical expense policy, group health care services plan, or group-type self-insurance plan that provides protection or insurance against hospital, medical,...
• 627.4236 - Coverage For Bone Marrow Transplant Procedures.
  (1) As used in this section, the term “bone marrow transplant” means human blood precursor cells administered to a patient to restore normal hematological and immunological...
• 627.4237 - Sickness Disability Or Disability Due To Sickness.
  Notwithstanding any provision of law to the contrary, the term “sickness disability” or “disability due to sickness,” as used in individual or group disability insurance...
• 627.4238 - Health Insurer Examinations.
  The office may examine each authorized health insurer which transacts health insurance in this state. The purpose of the examination is to ascertain compliance by...
• 627.4239 - Coverage For Use Of Drugs In Treatment Of Cancer.
  (1) DEFINITIONS.—As used in this section, the term:(a) “Medical literature” means scientific studies published in a United States peer-reviewed national professional journal.1(b) “Standard reference compendium” means authoritative compendia...
• 627.42391 - Insurance Policies; Cancer Treatment Parity; Orally Administered Cancer Treatment Medications.
  (1) As used in this section, the term:(a) “Cancer treatment medication” means medication prescribed by a treating physician who determines that the medication is medically necessary to...
• 627.42395 - Coverage For Certain Prescription And Nonprescription Enteral Formulas.
  Notwithstanding any other provision of law, any health insurance policy delivered or issued for delivery, to any person in this state or any group, blanket,...
• 627.424 - Minor May Give Acquittance.
  (1) Any minor domiciled in this state who has attained the age of 16 years shall be deemed competent to receive and to give full acquittance...
• 627.425 - Forms For Proof Of Loss To Be Furnished.
  An insurer shall furnish, upon written request of any person claiming to have a loss under an insurance contract issued by such insurer, forms of...
• 627.426 - Claims Administration.
  (1) Without limitation of any right or defense of an insurer otherwise, none of the following acts by or on behalf of an insurer shall be...
• 627.4265 - Payment Of Settlement.
  In any case in which a person and an insurer have agreed in writing to the settlement of a claim, the insurer shall tender payment...
• 627.427 - Payment Of Judgment By Insurer; Penalty For Failure.
  (1) Every judgment or decree for the recovery of money entered in any of the courts of this state against any authorized insurer shall be fully...
• 627.428 - Attorney’s Fee.
  (1) Upon the rendition of a judgment or decree by any of the courts of this state against an insurer and in favor of any named...
• 627.429 - Medical Tests For Hiv Infection And Aids For Insurance Purposes.
  (1) PURPOSE.—The purpose of this section is to prohibit unfair practices in the underwriting of insurance with respect to exposure to the human immunodeficiency virus infection...
• 627.4295 - Dental Procedures; Anesthesia And Hospitalization Coverage.
  For purposes of this section, dental treatment or surgery shall be considered necessary when the dental condition is likely to result in a medical condition...
• 627.4301 - Genetic Information For Insurance Purposes.
  (1) DEFINITIONS.—As used in this section, the term:(a) “Genetic information” means information derived from genetic testing to determine the presence or absence of variations or mutations, including...
• 627.4302 - Identification Cards For Processing Prescription Drug Claims.
  (1) The purpose of this section is to improve patient care by minimizing confusion, eliminating unnecessary work, decreasing patient wait time, and improving business efficiencies.(2) Any health...
• 627.43141 - Notice Of Change In Policy Terms.
  (1) As used in this section, the term:(a) “Change in policy terms” means the modification, addition, or deletion of any term, coverage, duty, or condition from the...
• 627.441 - Commercial General Liability Policies; Coverage To Contractors For Completed Operations.
  (1) As used in this section, the term:(a) “Contractor” means a contractor or subcontractor performing work on a public construction project under contract with a public agency,...
• 627.442 - Insurance Contracts.
  (1) A person who requires a workers’ compensation insurance policy pursuant to a construction contract may not reject a workers’ compensation insurance policy issued by a...

Last modified: September 23, 2016