Title 18 — Insurance Code

§ 3118. Payment of benefits. A group life insurance policy shall contain a provision that any sum becoming due by reason of the death of the person insured shall be payable to the beneficiary designated by the person insured, except that where the policy contains conditions perta…

§ 3119. Certificate. A group life insurance policy shall contain a provision that the insurer will issue to the policyholder for delivery to each person insured a certificate setting forth a statement as to the insurance protection to which he or she is entitled, to whom the insu…

§ 3120. Conversion on termination of eligibility. (a) A group life insurance policy shall contain a provision that if the insurance, or any portion of it, on a person covered under the policy or on the dependent of a person covered, ceases because of termination of employment or …

§ 3121. Conversion on termination of policy. A group life insurance policy shall contain a provision that if the group policy terminates or is amended so as to terminate the insurance of any class of insured person, every person insured thereunder at the date of such termination …

§ 3122. Death pending conversion. A group life insurance policy shall contain a provision that if a person insured under the group policy, or the insured dependent of a covered person, dies during the period within which the individual would have been entitled to have an individu…

§ 3123. Disability provision. Where active employment is a condition of insurance, the group life insurance policy shall contain a provision that an insured may continue coverage during the insured’s total disability by timely payment to the policyholder of that portion, if any, …

§ 3124. Information to debtors. In the case of a policy insuring the lives of debtors, such a group life insurance policy shall contain a provision that the insurer will furnish to the policyholder for delivery to each debtor insured under the policy a certificate of insurance de…

§ 3125. Notice as to conversion right. If any individual insured under a group life insurance policy hereafter delivered in this State becomes entitled under the terms of such policy to have an individual policy of life insurance issued without evidence of insurability, subject t…

§ 3126. Readjustment of premium. Any group life insurance contract may provide for a readjustment of the premium rate based upon the experience thereunder.18 Del. C. 1953, § 3124; 56 Del. Laws, c. 380, § 1; 65 Del. Laws, c. 480, § 1;

§ 3127. Application of dividends; rate deduction. If a policy dividend is hereafter declared or a reduction in rate is hereafter made or continued for the first or any subsequent year of insurance under any policy of group life insurance heretofore or hereafter issued to any poli…

§ 3128. Notification and reasons for cancellation [For application of this section, see 79 Del. Laws, c. 390, § 8]. A notice of cancellation of group life insurance coverage by an insurer due to nonpayment of premiums shall be in writing, shall be delivered to the policyholder or…

§ 3201. “Employee” defined. “Employee” shall mean a person who has been continuously employed by the State for 3 full calendar months immediately preceding the first day of any given month (exclusive of legal holidays and allowable leave) and who works the regularly scheduled ful…

§ 3202. Group life insurance. Subject to Chapter 31 of this title, the State may enter into a contract of group life insurance including accidental death and dismemberment coverage with an insurance company or companies authorized to transact business within this State, which ins…

§ 3203. Life insurance premiums. The State may pay part of the premiums or charges for such group life insurance contract or contracts and may appropriate any money necessary to pay such premiums or charges, or portions thereof. Notwithstanding any other provision of the law, any…

§ 3204. Eligibility and waiver. Any contract of insurance procured pursuant to this chapter shall provide that each employee becoming eligible for insurance thereunder shall become insured, subject to any “actively at-work” requirement or requirements as to the health of the pers…

§ 3205. Amount of coverage. (a) The amount of group life insurance on the life of any employee shall be at least in the following amount: The employee’s annual regular salary rounded to the next higher even thousand dollar subject to maxima established by the State Employee Benef…

§ 3206. State Employee Benefits Committee. (a) After reviewing competitive group plans, the State Employee Benefits Committee established by § 9602 of Title 29 shall select a carrier deemed to offer the best plan to satisfy the interests of the State and of its employees in carry…

§ 3207. Legal agent of the State. The Secretary of the Department of Human Resources shall be the legal agent for the State and shall be empowered to enter into the contract for group life insurance with any insurance carrier designated by the State Employee Benefits Committee.18…

§ 3208. Administration of chapter. The Secretary of the Department of Human Resources may perform all acts necessary or proper for administration of the insurance coverage provided.18 Del. C. 1953, § 3208; 56 Del. Laws, c. 380, § 1; 58 Del. Laws, c. 236; 72 Del. Laws, c. 204, § 1…

§ 3209. Application of dividends. Dividends payable from group life insurance may be used to offset any contribution made by the State in the form of money or administrative costs, including the salaries of employees working full-time on the program and any other related expenses…

§ 3210. Group Life Insurance Fund. Dividends in excess of any deduction made by the State for its contributions may be used solely for the benefit of the subscribers to the group life insurance program, and shall be maintained in a special fund identified as the Group Life Insura…

§ 3211. Validity of contracts. This chapter shall not be construed to impair the validity of any contractive group life insurance plan for employees of the State which shall be in effect on July 9, 1971, but nothing herein contained shall permit duplicate coverage in any instance…

§ 3401. Definitions. (a) “Applicant” means: (1) In the case of an individual Medicare supplement policy, the person who seeks to contract for insurance benefits; and (2) In the case of a group Medicare supplement policy, the proposed certificate holder. (b) “Certificate” means, f…

§ 3402. Applicability; scope. (a) Except as otherwise specifically provided in this title, this chapter shall apply to: (1) All Medicare supplement policies delivered or issued for delivery in this State on or after May 13, 1992; and (2) All certificates issued under group Medica…

§ 3403. Standards for policy provisions and authority to promulgate regulations. (a) No Medicare supplement policy or certificate in force in this State shall contain benefits that duplicate benefits provided by Medicare. (b) Notwithstanding any other provision of law of this Sta…

§ 3404. Loss ratio standards. Medicare supplement policies shall return to policyholders benefits which are reasonable in relation to the premium charged. The Commissioner shall issue reasonable regulations to establish minimum standards for loss ratios of Medicare supplement pol…

§ 3405. Disclosure standards. (a) In order to provide for full and fair disclosure in the sale of Medicare supplement policies, no Medicare supplement policy or certificate shall be delivered in this State unless an outline of coverage is delivered to the applicant at the time ap…

§ 3406. Notice of free examination. Medicare supplement policies and certificates shall have a notice prominently printed on the first page of the policy or certificate or attached thereto stating in substance that the applicant shall have the right to return the policy or certif…

§ 3407. Filing requirements for advertising. Every issuer of Medicare supplement insurance policies or certificates in this State shall provide a copy of any Medicare supplement advertisement intended for use in this State whether through written, radio or television medium to th…

§ 3408. Administrative procedures. Regulations adopted pursuant to this chapter shall be subject to the provisions of Chapter 101 of Title 29.68 Del. Laws, c. 237, § 1;

§ 3409. Penalties. In addition to any other applicable penalties for violations of the Insurance Code, the Commissioner may require issuers violating any provision of this chapter or regulations promulgated pursuant to this chapter to cease marketing any Medicare supplement polic…

§ 3410. Coverage for persons eligible for Medicare due to disability. (a) Each Medicare supplement policy or applicable certificate that an issuer currently, or at any time hereafter, makes available in this State shall be made available to any applicant under the age of 65 who i…

§ 3411. Enrollment periods. (a) A person enrolled in a Medicare supplement policy or certificate may cancel that person’s existing Medicare supplement policy or certificate and purchase or select another Medicare supplement policy or certificate with the same or lesser benefits d…

§ 3601. Purpose and scope. (a) The purpose of this chapter shall be to provide reasonable standardization and simplification of terms and coverages of individual health insurance policies and subscriber contracts of health service corporations to facilitate public understanding a…

§ 3602. Definitions [For application of this section, see 79 Del. Laws, c. 99, § 19]. As used in this chapter: (1) “Affiliation period” means a period of time not to exceed 2 months (3 months for late enrollees) during which a health maintenance organization does not collect prem…

§ 3603. Standards for policy provisions. (a) The Commissioner shall issue reasonable regulations to establish specific standards, including standards of full and fair disclosure, that set forth the manner, content and required disclosure for the sale of individual policies of hea…

§ 3604. Minimum standards for benefits. (a) The Commissioner may issue regulations to establish minimum standards for benefits under each of the following categories of coverage in individual policies, other than conversion policies issued pursuant to a contractual conversion pri…

§ 3605. Disclosure requirements. (a) In order to provide for full and fair disclosure in the sale of individual health insurance policies or subscriber contracts of a health service corporation, no such policy or contract shall be delivered or issued for delivery in this State un…

§ 3606. Preexisting conditions [For application of this section, see 79 Del. Laws, c. 99, § 19]. (a) Notwithstanding § 3306 of this title, a policy or contract must not deny, exclude, or limit benefits for a covered individual for losses due to a preexisting condition, and the po…

§ 3607. Guaranteed availability of coverage [For application of this section, see 79 Del. Laws, c. 99, § 19]. (a) Guaranteed availability of coverage in the individual market. — Subject to subsections (b)-(d) of this section, a carrier that offers health insurance coverage in the…

§ 3608. Renewability of coverage. (a) An individual health benefit plan shall be renewable with respect to an enrollee or dependents at the option of the enrollee, except in any of the following cases: (1) The individual has failed to pay premiums or contributions in accordance w…

§ 3609. Nondiscrimination in health care [For application of this section, see 79 Del. Laws, c. 99, § 19]. (a) Providers. — A health insurer offering individual health insurance coverage shall not discriminate with respect to participation under the coverage against any health-ca…

§ 3610. Comprehensive health insurance coverage [For application of this section, see 79 Del. Laws, c. 99, § 19]. (a) Coverage for essential health benefits package. — A health insurer that offers health insurance coverage in the individual market shall ensure that such coverage …

§ 3611. Prohibiting discrimination against individual participants and beneficiaries based on health status [For application of this section, see 79 Del. Laws, c. 99, § 19]. In general. — A health insurer offering individual health insurance coverage may not establish rules for e…

§ 3612. Insurance offered through the state health insurance exchange [For application of this section, see 79 Del. Laws, c. 99, § 19]. (a) A health insurer that offers health insurance coverage in the individual market through the state health insurance exchange program establis…

§ 3613. Rating factors [For application of this section, see 79 Del. Laws, c. 99, § 19]. (a) In establishing rates for health insurance coverage offered in the individual market, the rate may vary with respect to the particular plan or coverage involved only by determining the fo…

§ 3701. Purpose. The purpose of this chapter is to promote the public welfare by regulating consumer credit insurance. Nothing in this chapter is intended to prohibit or discourage reasonable competition. The provisions of this chapter shall be liberally construed.70 Del. Laws, c…

§ 3702. Scope and definitions. (a) Citation and scope. — (1) This chapter may be cited as the “Delaware Consumer Credit Insurance Model Act.” (2) All consumer credit insurance issued or sold in connection with loans or other credit transactions for personal, family or household p…

§ 3703. Types of consumer credit insurance. The types of consumer credit insurance defined in § 3702 of this title may be written separately or in combination with other types of consumer credit insurance on an individual policy or group policy basis.70 Del. Laws, c. 576, § 1;

§ 3704. Amount of consumer credit insurance. (a) Credit life insurance. — (1) The initial amount of credit life insurance shall not exceed the total amount repayable under the credit transaction, which is the gross debt. (2) In cases where an indebtedness is repayable in substant…