Title INS — California Ins. Code
0 chapters · 3,633 sections in this title.
Ins. Code § 10270 Section 10270
1.4K chars
(a) This chapter shall not apply to workers’ compensation insurance, any policy of liability insurance with or without supplementary coverage, or any policy or contract of reinsurance. (b) This chapter shall apply to selected group disability insurance as defined in Section 10270…
Ins. Code § 10270.1 Section 10270.1
2.3K chars
(a) As used in this section: (1) “Institution” means any school, college or other institution of learning or the principal or head thereof. “Camp” means one or more tents, vehicles, buildings or structures together with the tract of land appertaining thereto, established or maint…
Ins. Code § 10270.2 Section 10270.2
1.2K chars
(a) In addition to the permitted types of blanket insurance issued to entities described in Section 10270.2, the commissioner may, in his or her discretion, add other entities that may be eligible to purchase blanket insurance for any class of risks relating to benefits for death…
Ins. Code § 10270.3 Section 10270.3
1.2K chars
(a) A blanket disability policy of a type permitted under paragraph (2) or (5) of subdivision (a) of Section 10270.2 may include either a coordination of benefits policy provision or a nonduplication of benefits policy provision, at the option of the policyholder. (b) The essenti…
Ins. Code § 10270.4 Section 10270.4
1.3K chars
Any disability insurer may issue policies of group disability insurance and family expense disability insurance as defined in this article but shall not issue any form of policy of group disability insurance, or family expense disability insurance except as prescribed in this art…
Ins. Code § 10270.5 Section 10270.5
7.0K chars
Group disability insurance is that form of disability insurance which conforms to all of the following conditions: (a) Written under a master policy, issued to any of the following: (1) The federal or state government, any federal or state agency, political subdivision or distric…
Ins. Code § 10270.505 Section 10270.505
1.0K chars
Another permitted form of group disability insurance is that which conforms to all of the following conditions. (1) Covering debtors who are or become obligated to repay an indebtedness in substantially equal installments, or to repay a portion of an indebtedness in substantially…
Ins. Code § 10270.507 Section 10270.507
1.0K chars
Except as provided in Section 10195 with respect to regulation of group Medicare supplemental insurance, and provisions of law regulating group long-term care insurance, no certificate of group disability insurance advertised or marketed to persons in this state shall be issued o…
Ins. Code § 10270.51 Section 10270.51
0.5K chars
The state and any political subdivisions thereof and any municipality, may provide for the type of insurance set forth in Section 10270.5 of this code the same as any private employer and may contribute to a fund established under such section the same as any private employer. A …
Ins. Code § 10270.55 Section 10270.55
2.8K chars
(a) With respect to a policy issued to a corporation, copartnership or individual employer eligible for group insurance pursuant to Section 10270.5, the term “employees” may be deemed to include the officers, managers and employees of subsidiary or affiliated corporations, and th…
Ins. Code § 10270.57 Section 10270.57
1.5K chars
Another form of group disability insurance is that form of disability insurance conforming to the following conditions: (a) Written under a master policy issued to the trustee of any self-employed individuals, whether or not they have any employees, all of whom have contracts wit…
Ins. Code § 10270.6 Section 10270.6
1.2K chars
Every group disability master policy shall contain the following provisions: (a) A provision that the policy, the application of the policyholder, and the individual applications, if any, of the individuals insured shall constitute the entire contract between the parties, and tha…
Ins. Code § 10270.63 Section 10270.63
0.8K chars
An individual certificate shall be individualized, except that in the case of an individual certificate under a group policy which requires no regular contribution toward the payment of the premium to be made by the individuals covered thereunder, such individual certificate need…
Ins. Code § 10270.65 Section 10270.65
0.8K chars
If hereafter any dividend is paid or any premium refunded under any policy of group disability insurance heretofore or hereafter issued, the excess, if any, of the aggregate dividends or premium refunds under such policy over the aggregate expenditures for insurance under such po…
Ins. Code § 10270.7 Section 10270.7
1.1K chars
Family expense disability insurance is that form of disability insurance insuring more than one person and issued to the head of a family or his spouse indemnifying him, or his spouse, or both, against loss due to disability of one or more persons dependent at the time of issuanc…
Ins. Code § 10270.8 Section 10270.8
0.8K chars
Family expense disability policies shall also contain the following provisions: (a) A provision that the policy and the application, if any, of the head of the family shall constitute the entire contract between the parties, and that all statements made by the head of the family …
Ins. Code § 10270.9 Section 10270.9
1.9K chars
No group disability policy shall be issued or delivered in this state nor, except as otherwise provided in Sections 10270.91 and 10270.98, shall an insurer provide or agree to provide group disability coverage until a copy of the form of the policy is filed with the commissioner …
Ins. Code § 10270.91 Section 10270.91
2.7K chars
An insurer is permitted to provide group disability coverage prior to the approval of the form of the policy if all of the conditions of (a) are met prior thereto and if thereafter it acts as required by (b). (a) The conditions precedent are: (1) The group is one eligible for cov…
Ins. Code § 10270.92 Section 10270.92
1.3K chars
The commissioner may suspend or revoke the permission granted any insurer in Section 10270.91 if, after notice and hearing in accordance with Chapter 5 of Part 1 of Division 3 of Title 2 of the Government Code, he finds that the insurer has: (a) Misrepresented the conditional nat…
Ins. Code § 10270.93 Section 10270.93
1.8K chars
No family expense disability policy shall be issued or delivered in this State unless a copy of the form thereof is filed with the commissioner and approved by him in accordance with Article 2 of this chapter as meeting in substance either the provisions and requirements of Artic…
Ins. Code § 10270.94 Section 10270.94
1.5K chars
The commissioner shall promulgate forms of provisions which incorporate in substance the applicable provisions set forth in Articles 4 (commencing with Section 10329), 4a (commencing with Section 10350), 5 (commencing with Section 10359), and 5a (commencing with Section 10369.1),…
Ins. Code § 10270.95 Section 10270.95
0.7K chars
Without affecting the applicability or degree of applicability of other sections of this chapter, it is hereby specified that the provisions of Sections 10321, 10325, 10401, of subdivisions (a), (c), (e), (h) and (i) of Section 10320, of subdivision (a) of Section 10290, of parag…
Ins. Code § 10270.97 Section 10270.97
1.2K chars
Selected group disability insurance is that form of disability insurance conforming to the following conditions: (a) Written under individual policies (1) Issued to not less than three employees of the federal or state government, or of any federal or state agency, political subd…
Ins. Code § 10270.98 Section 10270.98
3.6K chars
Group disability policies may provide, among other things, that the benefits payable thereunder are subject to reduction if the individual insured has any other coverage (other than individual policies or contracts) providing hospital, surgical or medical benefits, whether on an …
Ins. Code § 10270.99 Section 10270.99
0.3K chars
The term “individual policies or contracts,” as used in the first paragraph of Section 10270.98, does not include selected group disability policies or contracts, unless those policies or contracts are noncancelable or guaranteed renewable and solely provide hospital confinement …
Ins. Code § 10271 Section 10271
12.4K chars
(a) Except as set forth in this section and in Sections 10271.1, 10292, and 10295 to 10295.19, inclusive, this chapter does not apply to, or in any way affect, provisions in life insurance, endowment, or annuity contracts, or contracts supplemental thereto, that provide additiona…
Ins. Code § 10271.1 Section 10271.1
8.4K chars
(a) (1) Supplemental benefits that operate to safeguard life insurance contracts against lapse are defined as a waiver of premium benefit or a waiver of monthly deduction benefit, as applicable, in which the insurer waives the premium or monthly deduction for a life insurance con…
Ins. Code § 10272 Section 10272
0.1K chars
The term “indemnity,” as used in this chapter means benefits promised. (Enacted by Stats. 1935, Ch. 145.)
Ins. Code § 10273 Section 10273
0.7K chars
The term “noncancelable policy” or “noncancelable and guaranteed renewable policy” as used in this chapter means a policy which the insured has the right to continue in force subject to its terms by the timely payment of premiums in the amount originally set forth in the policy (…
Ins. Code § 10273.3 Section 10273.3
0.9K chars
The term “guaranteed renewable policy” as used in this chapter (commencing with Section 10270) means a policy which the insured has the right to continue in force subject to its terms by the timely payment of premium (a) until at least age 50, or (b) in the case of a policy issue…
Ins. Code § 10273.4 Section 10273.4
4.1K chars
All disability insurers writing, issuing, or administering group health benefit plans shall make all of these health benefit plans renewable with respect to the policyholder, contractholder, or employer except in case of the following: (a) (1) Nonpayment of the required premiums …
Ins. Code § 10273.5 Section 10273.5
0.7K chars
No person shall cause or permit to be issued, circulated or used any representation that a policy defined in Section 10273.3 is “non-can,” noncancelable (not cancelable) or noncancelable and guaranteed renewable. No person shall cause or permit to be issued, circulated or used an…
Ins. Code § 10273.6 Section 10273.6
5.7K chars
All individual health benefit plans shall be renewable with respect to all eligible individuals or dependents at the option of the individual except as follows: (a) (1) Except as otherwise specified in paragraph (3), for nonpayment of the required premiums by the individual if th…
Ins. Code § 10273.7 Section 10273.7
3.7K chars
(a) A policyholder, certificate holder, or other insured who alleges that a policy or coverage has been or will be canceled, rescinded, or not renewed in violation of Section 10713, 10273.4, 10273.6, 10384.17, or 10384, or any regulations promulgated thereunder, may request a rev…
Ins. Code § 10274 Section 10274
0.2K chars
The term “endorsement” as used in this chapter means any amendment, change, limitation, alteration or restriction of the printed text of a policy by a rider upon a separate piece of paper made a part of such policy.
Ins. Code § 10275 Section 10275
0.2K chars
The term “policy of accident and sickness insurance” as used in this chapter includes any policy or contract covering the kind or kinds of insurance described in Section 106.
Ins. Code § 10276 Section 10276
1.8K chars
Every individual accident and health policy or contract, except single premium nonrenewable policies or contracts, issued for delivery in this state on or after July 1, 1962, by an insurance company, nonprofit hospital service plan or medical service corporation, shall have print…
Ins. Code § 10277 Section 10277
8.1K chars
(a) A group health insurance policy that provides that coverage of a dependent child of an employee or other member of the covered group shall terminate upon attainment of the limiting age for dependent children specified in the policy, shall also provide that attainment of the l…
Ins. Code § 10278 Section 10278
4.6K chars
(a) An individual health insurance policy that provides that coverage of a dependent child shall terminate upon attainment of the limiting age for dependent children specified in the policy, shall also provide that attainment of the limiting age shall not operate to terminate the…
Ins. Code § 10278.1 Section 10278.1
2.3K chars
(a) An individual health insurance policy issued, amended, or renewed on or after January 1, 2023, that provides dependent coverage shall make dependent coverage available to a parent or stepparent who meets the definition of a qualifying relative under Section 152(d) of Title 26…
Ins. Code § 10279 Section 10279
2.1K chars
(a) Every disability insurer that provides group or individual policies of disability, or both, that provides, operates, or contracts for, telephone medical advice services to its insureds shall do all of the following: (1) Ensure that the in-state or out-of-state telephone medic…
Ins. Code § 10290 Section 10290
0.5K chars
A disability policy shall not be issued or delivered to any person in this state until both of the following conditions are met: (a) A copy of the form thereof and, if more than one class of risks is written, of the classification of risks, and the premium rates pertaining theret…
Ins. Code § 10291 Section 10291
0.3K chars
If the commissioner notifies the insurer, in writing, that the filed form does not comply with the requirements of law, specifying the reasons for his opinion, it is unlawful thereafter for any such insurer to issue any policy in such form. (Enacted by Stats. 1935, Ch. 145.)
Ins. Code § 10291.5 Section 10291.5
16.4K chars
(a) The purpose of this section is to achieve both of the following: (1) Prevent, in respect to disability insurance, fraud, unfair trade practices, and insurance economically unsound to the insured. (2) Assure that the language of all insurance policies can be readily understood…
Ins. Code § 10291.6 Section 10291.6
0.6K chars
Insofar as the reduction of any original benefit on account of age of the insured is concerned, a noncancellable policy may be approved if such reduction does not exceed that permitted by Section 10291.5(b)(9), or if the only such reduction is one having the effect of reducing th…
Ins. Code § 10292 Section 10292
1.4K chars
(a) A supplemental benefit described in subdivision (a) of Section 10271 shall not be delivered or issued for delivery to any person in this state until a copy of the form thereof is submitted to, and approved by, the commissioner. If the supplemental benefit is an integral part …
Ins. Code § 10293 Section 10293
2.0K chars
(a) The commissioner shall, after notice and hearing, withdraw approval of an individual or mass-marketed policy of disability insurance if after consideration of all relevant factors the commissioner finds that the benefits provided under the policy are unreasonable in relation …
Ins. Code § 10295 Section 10295
4.5K chars
(a) An accelerated death benefit, as described in this section, shall not be offered, sold, issued, or marketed as health, accident, or long-term care insurance. An accelerated death benefit shall not reimburse or provide specific coverage for any health, accident, or long-term c…
Ins. Code § 10295.1 Section 10295.1
4.1K chars
(a) An accelerated death benefit as defined in paragraph (1) of subdivision (b) of Section 10295 shall comply with, and shall explain all of, the following: (1) That the accelerated death benefit is fixed at the time the insurer approves the request for the accelerated death bene…
Ins. Code § 10295.10 Section 10295.10
0.4K chars
An insurer may not: (a) Cancel, nonrenew, or otherwise terminate an accelerated death benefit on the grounds of the age or the deterioration of the mental or physical health of the insured individual or certificate holder. (b) Terminate a policy, certificate, or rider, or contain…