Title 27 — Title 27

Pursuant to the terms and conditions of this chapter, the State of Alabama seeks to join with other states and establish the Interstate Insurance Product Regulation Compact, and thus become a member of the Interstate Insurance Product Regulation Commission. The Alabama Commission…

The State of Alabama hereby agrees to the following interstate compact known as the Interstate Insurance Product Regulation Compact: ARTICLE I. PURPOSES. The purposes of this compact are, through means of joint and cooperative action among the compacting states: 1. To promote and…

Nothing contained in this compact, nor any decision or action by the Interstate Insurance Product Regulation Commission, shall preempt, alter, or modify any claims or remedies against insurance companies, agents, or other persons or entities regulated under this title that are or…

THIS SECTION WAS REPEALED BY ACT 2024-71, EFFECTIVE JUNE 1, 2024. History: (Act 2011-537, p. 949, §1.)

THIS SECTION WAS REPEALED BY ACT 2024-71, EFFECTIVE JUNE 1, 2024. History: (Act 2011-537, p. 949, §2.)

THIS SECTION WAS REPEALED BY ACT 2024-71, EFFECTIVE JUNE 1, 2024. History: (Act 2011-537, p. 949, §3.)

This chapter shall be known and may be cited as the Insurance Data Security Law. History: (Act 2019-98, §1.)

(a) An insurance producer violating this chapter may be penalized in accordance with Section 27-7-19. (b) Any other licensee violating this chapter may be subject to the suspension or revocation of the license or certificate of authority of the licensee or, in lieu thereof and at…

The commissioner may adopt rules implementing this chapter pursuant to Chapter 2. History: (Act 2019-98, §11.)

(a) Notwithstanding any other provision of law, this chapter establishes the exclusive state standards applicable to licensees for data security, the investigation of a cybersecurity event as defined in Section 27-62-3, and notification to the Commissioner of Insurance of a cyber…

For purposes of this chapter, the following words have the following meanings: (1) AUTHORIZED INDIVIDUAL. An individual known to and screened by the licensee and determined to be necessary and appropriate to have access to the nonpublic information held by the licensee and its in…

(a) Commensurate with the size and complexity of the licensee, the nature and scope of the activities of the licensee, including its use of third-party service providers, and the sensitivity of the nonpublic information used by the licensee or in the possession, custody, or contr…

(a) If the licensee learns that a cybersecurity event has or may have occurred, the licensee, or an outside vendor or service provider designated to act on behalf of the licensee, shall conduct a prompt investigation. (b) During the investigation, the licensee, or an outside vend…

(a) Each licensee shall notify the commissioner as promptly as possible, but in no event later than three business days from a determination that a cybersecurity event involving nonpublic information that is in the possession of a licensee has occurred when either of the followin…

(a) The commissioner may examine and investigate the affairs of any licensee to determine whether the licensee has been or is engaged in any conduct in violation of this chapter. This power is in addition to the powers which the commissioner has under Section 27-2-21. The investi…

(a)(1) Any documents, materials, or other information in the control or possession of the department that are furnished by a licensee or an employee or agent acting on behalf of a licensee pursuant to subsection (i) of Section 27-62-4; subdivisions (2), (3), (4), (5), (8), (10), …

(a) The following exceptions shall apply to this chapter: (1) A licensee is exempt from Section 27-62-4 if any of the following criteria apply: a. The licensee has fewer than 25 employees. b. The licensee has less than $5 million in gross annual revenue. c. The license has less t…

(a) As used in this section, the following words have the following meanings: (1) HEALTH BENEFIT PLAN. Any group insurance plan, individual health insurance policy or other policy, or contract for health care services that covers hospital, medical, or surgical expenses, health ma…

This chapter shall be known and may be cited as the Travel Insurance Act. History: (Act 2022-152, §1.)

The commissioner may adopt rules to implement this chapter. History: (Act 2022-152, §1.)

(a) The purpose of this chapter is to promote the public welfare by creating a comprehensive legal framework within which travel insurance may be sold in this state. (b) The requirements of this chapter shall apply to travel insurance that covers any resident of this state, is so…

As used in this chapter, the following terms shall have the following meanings: (1) AGGREGATOR SITE. A website that provides access to information regarding insurance products from more than one insurer, including product and insurer information, for use in comparison shopping. (…

Brochures and Written Materials; Prohibited Activities. (a) The commissioner may issue a limited lines travel insurance producer license to an individual or business entity that has filed with the commissioner an application for a limited lines travel insurance producer license i…

Documentation. (a) A travel insurer shall pay premium tax, as provided in Section 27-4A-3, on travel insurance premiums paid by any of the following: (1) An individual primary policyholder who is a resident of this state. (2) A primary certificate holder who is a resident of this…

Travel protection plans may be offered for one price for the combined features that the travel protection plan offers in this state if all of the following criteria are met: (1) The travel protection plan clearly discloses to the purchaser, at or prior to the time of purchase, th…

(a) All persons offering travel insurance to residents of this state are subject to the provisions of Chapter 12, except as otherwise provided in this section. In the event of a conflict between this section and other provisions of this title regarding the sale and marketing of t…

(a) Notwithstanding any other provision of this title, no person shall act or represent itself as a travel administrator for travel insurance in this state unless the person meets one of the following requirements: (1) Is a licensed property and casualty insurance producer in thi…

Insurance or Accident and Health Line of Insurance. (a) Notwithstanding any other provision of this title, travel insurance shall be classified and filed for purposes of rates and forms under an inland marine line of insurance; provided, however, that travel insurance that provid…

For the purposes of this chapter, the following words have the following meanings: (1) CLEAN CLAIM. A clean electronic claim or a clean written claim. (2) CLEAN ELECTRONIC CLAIM. As defined in Section 27-1-17. (3) CLEAN WRITTEN CLAIM. As defined in Section 27-1-17. (4) COLLECTION…

(a)(1) A health care insurer shall contract with any willing emergency medical service provider to provide covered services in the health care insurer’s provider network under terms extended to comparable providers that are in-network. (2) An in-network provider shall meet licens…

(a)(1) Payment in accordance with Section 27-65-2 shall be payment in full for covered services. (2) An emergency medical service provider, whether in-network or out-of-network, including the provider’s agent, contractor, or assignee, may not bill or seek collection of any amount…

(a) Beginning in the year 2027, and in each year thereafter, an emergency medical service provider shall submit to the Alabama Department of Public Health a report that includes, but is not limited to, the following information for the preceding calendar year: (1) The number and …

(a) The Alabama Association of Ambulance Services shall contract with a business school, accredited by the Association to Advance Collegiate Schools of Business, located at a doctoral granting regional institution with research college and university Carnegie classification statu…

This chapter repealed on June 1, 2029. History: (Act 2026-349, §6.)