Title 33 — Title 33
0 chapters · 1,218 sections in this title.
O.C.G.A. § 33-24-1 Definitions
1.0K chars
As used in this chapter, the term: 97 33-24-1 (1) ‘‘Policy’’ means the written contract of or written agreement for or effecting insurance. The term includes all clauses, riders, endorsements, and papers attached or issued and delivered for attachment to the contract or agreement…
O.C.G.A. § 33-24-10 Grounds for disapproval of forms
1.6K chars
The Commissioner shall disapprove any form filed under Code Section 33-24-9 or withdraw any previous approval of such form only: (1) If it is in any respect in violation of or does not comply with this title; (2) If it contains or incorporates by reference any inconsistent, ambigu…
O.C.G.A. § 33-24-10.1 Standard or uniform claim form
2.2K chars
The Commissioner is authorized to establish by rule or regulation a standard or uniform claim form to be supplied by insurers to their insureds for the purpose of filing claims under policies or contracts of accident and sickness insurance. The Commissioner shall file and maintain …
O.C.G.A. § 33-24-11 Surplus line insurance
0.6K chars
Delivery to insured, §33-5-27. Records of policies. Maintenance by broker, §33-5-28. Time for taking effect, §33-24-15. Unauthorized persons. Contracts issued or countersigned by, §33-23-40. Underwriters’ and combination policies. Issuance, §33-24-32. INSURANCE —Cont’d Policies —…
O.C.G.A. § 33-24-12 Nonrenewal
0.1K chars
Accident and sickness policies. Notice, §33-24-47.1. Automobile or motorcycle policies, §33-24-45. Property insurance, §33-24-46.
O.C.G.A. § 33-24-13 Execution of policies; use of facsimile signatures
0.4K chars
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 duly authorized by the insurer. A facsimile signature of any executing individual may be used in lieu of an original signature. Histo…
O.C.G.A. § 33-24-14 Definitions
9.0K chars
Applicability of chapter. Insurable interest; personal insurance. Insurable interest; property insurance. Persons having capacity to contract for insurance; purchase of insurance by or for minors; rescission, avoidance, or repudiation of contracts by minors. Consent of insured to…
O.C.G.A. § 33-24-15 When policies or contracts become effective
0.5K chars
A policy of insurance or an annuity or endowment contract shall run from midday of the date of the policy or contract; and the time shall be calculated accordingly if the policy or contract is to be in force for a specified period of time unless the hour and minute of attachment o…
O.C.G.A. § 33-24-16 Contents
1.0K chars
Required contents, §33-24-18. Credit life and accident and sickness insurance. Amount of insurance, §33-31-4. Contents, §33-31-7. Delivery, §33-31-7. Requirements generally, §33-31-6. Issuance, §33-31-3. Requirements generally, §33-31-6. Provisions required, §33-31-7. Declaration…
O.C.G.A. § 33-24-16.1 Clarification of term ‘‘actual charge’’ or ‘‘actual fee’’
0.8K chars
(a) The term ‘‘actual charge’’ or ‘‘actual fee,’’ when used in an individual or group specified disease insurance policy, shall mean the amount actually paid by or on behalf of an insured person and accepted as full payment by a health care provider or other designated person for …
O.C.G.A. § 33-24-17 Assignment of policies
0.9K chars
A policy may be assignable or not assignable, as provided by its terms. Subject to its terms relating to assignability, any life or accident and sickness policy issued under the terms of which the beneficiary may be changed upon the sole request of the policy owner may be assigned…
O.C.G.A. § 33-24-19 Incorporation of constituent documents in policies
0.5K chars
No policy shall contain any provisions purporting to make any portion of the charter, bylaws, or other constituent document of the insurer a part of the contract unless the portion is set forth in full in the policy. Any policy provision in violation of this Code section shall be…
O.C.G.A. § 33-24-2 Applicability of chapter
0.8K chars
This chapter applies to all insurance policies and to annuities and pure endowment contracts as defined in Code Section 33-28-1 except: (1) Reinsurance; (2) Policies or contracts not issued for delivery in this state or delivered in this state, except as provided in subsection (e)…
O.C.G.A. § 33-24-20 Foreign or alien insurers
0.9K chars
Delivery of policies within state by foreign or alien insurers, §33-29-12. INSURANCE —Cont’d Policies —Cont’d Accident and sickness insurance —Cont’d Foreign states or countries. Delivery of policies of domestic insurers, §33-29-12. Franchise insurance. Issuance of policies, §33-…
O.C.G.A. § 33-24-21 SYNDICATES
0.4K chars
Corporations. Person defined, §33-1-2. Partnership. Buyouts or mergers, §33-13-3. 1305 INDEX TERMINALLY ILL PERSONS —Cont’d Life settlements act, §§33-59-1 to 33-59-17. T TACHYCARDIA. Insurance coverage of outpatient surgery. Medical emergency defined as including, §33-24-28.2. THE…
O.C.G.A. § 33-24-21.1 Indemnity payable amount, §33-31-4
0.4K chars
Issuance of policy or certificate of insurance, §33-31-7. Policy issuance generally, §33-31-3. Requirements generally, §33-31-6. Payment of claims. Generally, §33-31-10. Penalties for violations, §33-31-12. Premiums, §33-31-9. Refunds and credits. Premiums, §33-31-9. Required poli…
O.C.G.A. § 33-24-21.2 AGENTS
0.3K chars
Fraternal benefit societies. Licenses, §33-15-107. Insurance private review agents, §§33-46-1 to 33-46-14. ALARMS. Car alarms. Warranties for vehicle protection products, §§33-34A-1 to 33-34A-12. ALBUTEROL. Health insurance. Coverage for prescription inhalers, §33-24-59.8. AMBULAN…
O.C.G.A. § 33-24-22 Newly born children
0.9K chars
Provision for coverage, §33-24-22. Hospital expense insurance. Dependent children. Termination of coverage upon attainment of specified age, §33-24-28. Incorporation of charters and bylaws in policies, §33-24-19. Indorsements. Construction of policies, §33-24-16. Renewal or extens…
O.C.G.A. § 33-24-24 Mammogram
0.7K chars
Group or blanket accident and sickness insurance, §33-30-4.2. Individual accident and sickness insurance, §33-29-3.2. Managed care contractor, §33-20A-3. Managed care entity. Managed health care plans, §33-20A-3. 1138 INDEX DEFINED TERMS —Cont’d Managed care organization. Managed…
O.C.G.A. § 33-24-26 Pregnancy
0.1K chars
Provisions for coverage of complications of pregnancy, §33-24-24. Proceeds.
O.C.G.A. § 33-24-26.1 Long-term care insurance
0.1K chars
Preexisting condition defined, §33-42-6. PREFERRED PROVIDER ARRANGEMENTS ACT. Health insurance, §§33-30-20 to 33-30-27. Short title, §33-30-20.
O.C.G.A. § 33-24-27 Surgical or medical services
0.8K chars
Provisions in policies, §33-30-7. Surviving spouse. Issuance of individual policy to spouse, §33-24-21. Termination of coverage, §33-24-21. Group life insurance, §§33-27-1 to 33-27-9. Assignment of incidents of ownership, §33-27-6. INSURANCE —Cont’d Policies —Cont’d Group life in…
O.C.G.A. § 33-24-27.1 Pharmaceutical services
0.2K chars
Mail-order pharmaceutical distributors. Pharmacy benefits managers, administration of claims, §33-64-10. Utilization, §33-30-4.3. Pregnancy. Provisions for coverage of complications of pregnancy, §33-24-24. Proceeds.
O.C.G.A. § 33-24-27.2 ATTACHMENT
0.3K chars
Annuity, reversionary annuity or pure endowment contracts. Proceeds exempt, §33-28-7. Exemption. Annuity, reversionary annuity or pure endowment contracts. Proceeds, §33-28-7. Life insurance policies and annuity contracts. Cash surrender value and proceeds, §33-25-11. Fraternal b…
O.C.G.A. § 33-24-28 Misrepresentation
0.3K chars
Effect upon recovery, §33-24-7. Motor vehicle accident insurance. Cancellation, §33-24-45. Procedure, §33-24-45. Continuation of coverage. Death of named insured or termination of marital relationship, §33-34-7. Death of named insured. Continuation of coverage, §33-34-7. Discover…
O.C.G.A. § 33-24-28.1 Coverage of treatment of mental disorders
3.8K chars
(a) As used in this Code section, the term: (1) ‘‘Accident and sickness insurance benefit plan, policy, or contract’’ means: (A) An individual accident and sickness insurance policy or contract, as defined in Chapter 29 of this title; or (B) Any similar individual accident and sick…
O.C.G.A. § 33-24-28.2 Coverage of outpatient surgery
6.7K chars
(a) As used in this Code section, the term: (1) ‘‘Anesthetic’’ means an agent that produces insensibility to pain or touch. According to their action, such anesthetics are subdivided into the categories of general and local anesthetics. (2) ‘‘Charges for facility services’’ means…
O.C.G.A. § 33-24-28.3 Anesthesia
0.5K chars
General anesthesia for certain dental care. Coverage, §33-24-28.4. Applicability of individual insurance provisions, §33-30-11. Applicability of provisions, §33-30-1.1. Assistance-eligible individuals. Continuation of coverage, §33-24-21.1. Defined, §33-24-21.1. 1170 INDEX HEALTH …
O.C.G.A. § 33-24-28.4 ANNUITIES
0.4K chars
Annuity and pure endowment contracts, §§33-28-1 to 33-28-7. Attachment, garnishment or legal process. Proceeds exempt from, §33-28-7. Contesting of contract after reinstatement, §33-28-5. Definitions, §33-28-1. Exemption from attachment, garnishment or legal process. Proceeds, §33…
O.C.G.A. § 33-24-29.1 Morbidly obese patients
0.4K chars
Coverage for treatment, §33-24-59.7. Notices. Premium increase notices to be mailed or delivered to group policy holder, §33-30-13. Obesity. Coverage for treatment of morbidly obese patients, §33-24-59.7. Optometrists’ services. Reimbursement, §33-24-27.1. Outpatient surgery. Cov…
O.C.G.A. § 33-24-3 Insurable interest; personal insurance
7.7K chars
(a) An insurable interest, with reference to personal insurance, is an interest based upon a reasonable expectation of pecuniary advantage through the continued life, health, or bodily safety of another person and consequent loss by reason of such person’s death or disability or …
O.C.G.A. § 33-24-31 COSTS
0.2K chars
Farmers’ mutual fire insurance companies. Examinations of companies by commissioner, §33-16-19. Exemption from costs and fees listed in general insurance law, §33-16-20. Fraternal benefit societies.
O.C.G.A. § 33-24-32 Underwriters’ and combination policies
1.0K chars
(a) 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 may issue policies in the name of an underwriter’s department and the policy shall plainly show the true name of the ins…
O.C.G.A. § 33-24-33 Binders and other contracts for temporary insurance
1.0K chars
(a) Binders or other contracts for temporary insurance may be made orally or in writing and shall be deemed to include all the usual terms of the policy as to which the binder was given together with any applicable endorsements that are designated in the binder, except as superse…
O.C.G.A. § 33-24-34 WAITING PERIODS
0.3K chars
Insurance. Company sale, §33-13-3.1. Spousal coverage. Termination, §§33-24-20, 33-24-21. WAIVER. Guaranteed asset protection waivers, §§33-63-1 to 33-63-9. Health insurance. Early prescription refills during emergencies. Waiver of time limitations, §33-24-59.28. Insurance.
O.C.G.A. § 33-24-35 Withdrawal or retirement from group insurance plan
0.4K chars
Participation in group insurance by employees shall be entirely voluntary on the part of each employee at all times. Any employee, upon any payday, may withdraw or retire from such group plan upon giving his employer written notice of his intention to do so and directing the disc…
O.C.G.A. § 33-24-38 Extinguishment of policies
0.1K chars
Cancellation, §33-24-44. INSURANCE —Cont’d Fair access to insurance requirements, §§33-33-1 to 33-33-8. Farm credit system.
O.C.G.A. § 33-24-4 Insurable interest; property insurance
1.2K chars
(a) As used in this Code section, the term ‘‘insurable interest’’ means any actual, lawful, and substantial economic interest in the safety or preservation of the subject of the insurance free from loss, destruction, or pecuniary damage or impairment. (b) No insurance contract on…
O.C.G.A. § 33-24-40 Sovereign immunity
0.4K chars
Counties, municipalities and school districts. Motor vehicle accident insurance. Purchase by counties and municipalities. Waiver by, §33-24-51. Motor vehicles. Insurance. Local governments. Waiver by purchase of accident insurance, §33-24-51. WARRANTIES. Insurance. Statements and…
O.C.G.A. § 33-24-41 Discharge of insurer by payment generally
1.1K chars
Whenever the proceeds of or payments under a life or accident and sickness insurance policy or annuity contract become payable in accordance with the terms of the policy or contract or the exercise of any right or privilege under the policy or contract and the insurer makes payme…
O.C.G.A. § 33-24-41.1 Ships and vessels
0.3K chars
Marine and transportation insurance. Kinds of insurance, §33-7-5. Signatures. Use of facsimile signatures, §33-24-13. Small business employee choice of benefits health insurance plan act, §§33-60-1 to 33-60-5. Standard or uniform provisions. Use of substitute provisions, §33-24-11…
O.C.G.A. § 33-24-42 Payment of claims in event of simultaneous deaths
0.9K chars
Where the individual insured or the annuitant and the beneficiary designated in a life insurance policy or policy insuring against accidental death or in an annuity contract have died and there is not sufficient 244 33-24-43 evidence that they have died otherwise than simultaneous…
O.C.G.A. § 33-24-43 Medium of payment
0.7K chars
It shall be unlawful for any insurer to provide in a policy or contract of insurance that the face amount thereof or any loss or indemnity which may accrue thereunder shall be payable in anything other than legal tender of the United States to the beneficiary named in the policy o…
O.C.G.A. § 33-24-44 Cancellation of policies generally
7.8K chars
(a) Except as otherwise provided in this chapter, cancellation of a policy which by its terms and conditions may be canceled by the insurer or its agent duly authorized by the insurer to effect such cancellation shall be accomplished as prescribed in this Code section. (b) Writte…
O.C.G.A. § 33-24-44.1 Procedure for cancellation by insured and notice
4.2K chars
(a) An insured may request cancellation of an existing insurance policy by returning the original policy to the insurer or by making a request for cancellation of an insurance policy to the insurer or its duly authorized agent orally, electronically, or in writing stating a futur…
O.C.G.A. § 33-24-45 Liberty Ins
18.0K chars
Corp. v. Ferguson, 263 Ga. App. 714, 589 S.E.2d 290 (2003). Strict adherence to this section, in regard to automobile insurance policies, is required to accomplish cancellation. American Int’l Life Ins. Co. v. Hartsfield, 147 Ga. App. 213, 248 S.E.2d 518 (1978). This section provi…
O.C.G.A. § 33-24-46 Cancellation or nonrenewal of certain property insurance policies
14.1K chars
(a) This Code section shall apply only to policies of insurance against direct loss to residential real property and the contents thereof, as defined and limited in standard fire policies insuring natural persons as the named insured. (b) As used in this Code section, the term: (1)…
O.C.G.A. § 33-24-47.1 Cancer
0.7K chars
Treatment of dependent children, §33-24-59.1. Child wellness services, §33-30-4.5. Chiropractors’ services. Reimbursement, §33-24-27. Claims experience, furnishing to policyholders, §33-30-13.1. Commercial provisions. Effect of chapter upon, §33-30-2. Continuation of coverage. Pe…
O.C.G.A. § 33-24-49 Deposit of funds covered by bonds
1.0K chars
It shall be lawful for any party of whom a bond, undertaking, or other obligation is required to agree with his surety or sureties for the deposit of any or all moneys and assets for which he and his surety or sureties are or may be held responsible with a bank, savings bank, saf…
O.C.G.A. § 33-24-5 Captive insurance companies
0.1K chars
General provisions, §§33-41-1 to 33-41-26. Sponsored captive insurance companies, §§33-41-100 to 33-41-106. Cervical cancer.