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Georgia Statutes, Title 33

Georgia/Statutes

← All Georgia coverage

Title 33

73 chapters · 1,492 sections in this title.

All chapters in Title 331,492 Ch 24, INSURANCE GENERALLY134 Ch 14, DOMESTIC STOCK AND MUTUAL INSURERS78 Ch 11, INVESTMENTS72 Ch 23, LICENSING62 Ch 37, INSURERS REHABILITATION AND LIQUIDATION59 Ch 9, REGULATION OF RATES, UNDERWRITING RU…49 Ch 15, FRATERNAL BENEFIT SOCIETIES38 Ch 5, REGULATION OF UNAUTHORIZED INSURERS37 Ch 41, CAPTIVE INSURANCE COMPANIES34 Ch 20, HEALTH CARE PLANS33 Ch 3, AUTHORIZATION AND GENERAL REQUIREMEN…32 Ch 2, DEPARTMENT AND COMMISSIONER31 Ch 17, RECIPROCAL INSURERS31 Ch 21, HEALTH MAINTENANCE ORGANIZATIONS31

1,492 sections·Filtered byTitle 33✕

O.C.G.A. § 33-24-63 Review of health insurance beneﬁt bill by General Assembly; Commissioner to issue report on bill
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(a) Every health insurance beneﬁt bill, to be determined by the presiding officer of the House of Representatives or the Senate, shall be subject to review by the General Assembly prior to enactment as provided in this article. The Clerk of the House or the Secretary of the Senat…
O.C.G.A. § 33-24-64 Contents of report by Commissioner on health insurance beneﬁt bills
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The report required under Code Section 33-24-63 for assessing the impact of a health insurance beneﬁt bill shall address the ﬁnancial impact of such legislation by obtaining, at the minimum and to the extent that the information is available, the following: (1) To what extent wil…
O.C.G.A. § 33-24-65 Public hearing
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The Commissioner of Insurance, upon receiving a certiﬁed copy from the Clerk of the House or the Secretary of the Senate of the bill or bills as provided in Code Section 33-24-63, may in his discretion convene a public hearing within ten calendar days after receipt in order to ob…
O.C.G.A. § 33-24-67 Rules and regulations

Showing 901–950 of 1,492

Page 19 of 30

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The Commissioner shall promulgate all rules and regulations necessary or appropriate to the administration and enforcement of this article. History. — Code 1981, § 33-24-67, enacted by Ga. L. 1989, p. 492, § 1. ARTICLE 3 BREAST CANCER PATIENT CARE

O.C.G.A. § 33-24-70 Short title

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This article shall be known and may be cited as the ‘‘Breast Cancer Patient Care Act.’’ History. — Code 1981, § 33-24-70, enacted by Ga. L. 1999, p. 319, § 1.

O.C.G.A. § 33-24-71 Legislative ﬁndings

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The General Assembly ﬁnds and declares that: (1) Whereas, until recently health care insurers covered costs of hospital stays of a patient who had undergone a mastectomy or lymph node dissection until that patient was discharged by a physician. Now some insurers are making mastec…

O.C.G.A. § 33-24-72 Mastectomy; lymph node dissection; coverage for inpatient care and follow-up visits required by health insurers; notice to policyholders

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(a) As used in this Code section, the term: (1) ‘‘Attending physician’’ means any surgeon or other physician attending the breast cancer patient. (2) ‘‘Health beneﬁt policy’’ means any individual or group plan, policy, or contract for health care services issued, delivered, issue…

O.C.G.A. § 33-24-90 Deﬁnitions

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As used in this article, the term: (1) ‘‘Adverse action’’ shall mean a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of any insurance, existing or applied for, in connection with …

O.C.G.A. § 33-24-91 Use of credit information to underwrite or rate risks

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An insurer authorized to do business in this state that uses credit information to underwrite or rate risks, shall not: (1) Use an insurance score that is calculated using income, gender, race, address, ZIP Code, ethnic group, religion, marital status, or nationality of the consu…

O.C.G.A. § 33-24-92 Disputed items in credit report

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If an item or items contained in the credit information for an applicant or insured are in dispute pursuant to the dispute resolution process set forth in the federal Fair Credit Reporting Act, 15 USC 1681i, the insurer, during the 45 day period following the date on which the it…

O.C.G.A. § 33-24-93 Disclosure by insurer of use of credit information

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(a) If an insurer writing personal insurance uses credit information in underwriting or rating a consumer, the insurer or its agent shall disclose, either on the insurance application or at the time the insurance application is taken, that it may obtain credit information in conn…

O.C.G.A. § 33-24-94 Adverse action based on credit information; notice to consumer

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If an insurer takes an adverse action based upon credit information, the insurer must meet the notice requirements of this Code section. Such insurer shall provide notiﬁcation to the consumer that an adverse action has been taken, in accordance with the requirements of the federa…

O.C.G.A. § 33-24-95 Filing scoring models with Commissioner; conﬁdential nature of ﬁling

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(a) Insurers that use insurance scores to underwrite and rate risks must ﬁle their scoring models or other scoring processes with the Commissioner of Insurance. A third party may ﬁle scoring models on behalf of insurers licensed to do business in this state, provided that such th…

O.C.G.A. § 33-24-96 Insurer obligation to indemnify and defend agents

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An insurer shall indemnify, defend, and hold agents harmless from and against all liability, fees, and costs arising out of or relating to the actions, errors, or omissions of an agent or a producer who obtains or uses credit information or insurance scores for an insurer, provid…

O.C.G.A. § 33-24-97 Consumer reporting agency disclosure of insurance information; applicability to motor vehicle reports

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(a) No consumer reporting agency shall provide or sell data or lists that include any information that in whole or in part was submitted in conjunction with an insurance inquiry about a consumer’s credit information or a request for a credit report or insurance score. Such inform…

O.C.G.A. § 33-24-98 Use of insurance scores permitted

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Notwithstanding any provision of law to the contrary, insurers shall be allowed to use insurance scores in rating and underwriting subject to the provisions of this article. History. — Code 1981, § 33-24-98, enacted by Ga. L. 2003, p. 343, § 1. 388 33-24-98 CHAPTER 25 LIFE INSURA…

O.C.G.A. § 33-24-14 Deﬁnitions

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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. § 33-24-28.3 INSURANCE GENERALLY Sec

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Provision in group policies of accident and sickness insurance for exclusion or reduction of beneﬁts. Provision in group or blanket accident and sickness policies of coverage for complications of pregnancy. Provisions in group or blanket policies excluding or reducing coverage of…

O.C.G.A. § 33-24-56.1 Lamb v

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Salvation Army, 301 Ga. App. 325, 687 S.E.2d 615 (2009). Appellate jurisdiction to review grant of summary judgment in conversion claims. — Court of appeals had appellate jurisdiction to review the grant of summary judgment in favor of a bank on the bank’s conversion claim agains…

O.C.G.A. § 33-24-66 Short title

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Legislative ﬁndings and intent. ‘‘Health insurance beneﬁt bill’’ deﬁned. Review of health insurance beneﬁt bill by General Assembly; Commissioner to issue report on bill. Contents of report by Commissioner on health insurance beneﬁt bills. Public hearing. Evidence, testimony, and…

O.C.G.A. § 33-25-1 ‘‘Contract of life insurance’’ deﬁned

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A ‘‘contract of life insurance’’ is one whereby the insurer, for a consideration, assumes an obligation to be performed upon the death of the insured or upon the death of another in the continuance of whose life the insured has an insurable interest, whether such obligation is on…

O.C.G.A. § 33-25-10 Payment of interest on proceeds or payments under policies

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(a) Each insurer admitted to transact life insurance in this state shall pay interest on proceeds or payments under any individual policy of life insurance, payable to a beneﬁciary residing in this state or to a beneﬁciary under a policy issued in this state or to a beneﬁciary un…

O.C.G.A. § 33-25-11 Cash surrender value and proceeds of life insurance policies and annuity contracts not liable to attachment, garnishment, or legal process in favor of creditors; proceeds becoming part of insured’s es

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(a) Whenever any person residing in the state shall die leaving insurance on his or her life, such insurance shall inure exclusively to the beneﬁt of the person for whose use and beneﬁt such insurance is designated in the policy, and the proceeds thereof shall be exempt from the …

O.C.G.A. § 33-25-12 Contesting of policy after reinstatement

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A reinstated policy of life insurance may be contested on account of fraud or misrepresentation of facts material to the reinstatement only for the same period following reinstatement and with the same conditions and exceptions as the policy provides with respect to contestabilit…

O.C.G.A. § 33-25-13 Law reviews

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— For article, ‘‘The Time Gap in Wills: Problems Under Georgia’s Lapse Statutes,’’ see 6 Ga. L. Rev. 268 (1972). For article discussing effect of homicide on succession by the slayer, and devolution of his share, see 10 Ga. L. Rev. 447 (1976). For annual survey of law on wills, t…

O.C.G.A. § 33-25-14 Unclaimed life insurance beneﬁts; purpose; deﬁnitions; insurer conduct

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(a) This Code section shall be known and may be cited as the ‘‘Unclaimed Life Insurance Beneﬁts Act.’’ (b) This Code section shall require recognition of the escheat or unclaimed property statutes of this state and require the complete and proper disclosure, transparency, and acc…

O.C.G.A. § 33-25-15 Insurer prohibited from penalizing agent for apprising policy owner of alternatives to lapse or surrender of individual life insurance policy

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(a) As used in this Code section, the term: (1) ‘‘Agent’’ means a person that is the agent of record of a policy or that has a business relationship with the policy owner or insured. (2) ‘‘Insurer’’ means the insurance company that issued or currently insures the policy. (3) ‘‘Pe…

O.C.G.A. § 33-25-2 Inclusion of application for insurance or constitution, bylaws, or other rules of insurer in policies; receipt in evidence

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(a) Except for group life insurance policies, all life insurance policies which contain any reference to the application for insurance or to the constitution, bylaws, or other rules of the insurer as forming part of or as affecting the contract between the parties shall include o…

O.C.G.A. § 33-25-3 Required policy provisions generally

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(a) Except as provided in subsection (b) of this Code section, no policy of life insurance shall be delivered or issued for delivery in this state unless it contains in substance the following provisions: (1) Grace period. A provision that the insured is entitled to a grace perio…

O.C.G.A. § 33-25-3.1 Policy loan interest rates on life insurance policies; deﬁnitions; construction and applicability

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(a) As used in this Code section, the term: (1) ‘‘Policy’’ means a contract of life insurance, a life beneﬁt certiﬁcate issued by a fraternal beneﬁt society, or an annuity contract. (2) ‘‘Policyholder’’ means the owner of the policy or the person designated on the records of the …

O.C.G.A. § 33-25-4 Required nonforfeiture provisions

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(a)(1) Except as provided in subsection (f ) of this Code section, no policy of life insurance issued on or after January 1, 1966, shall be delivered or issued for delivery in this state unless it shall contain the following provisions, or corresponding provisions which in the op…

O.C.G.A. § 33-25-5 Inclusion of provisions excluding or restricting liability for death

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(a) No policy of life insurance, except as stated in subsection (c) of this Code section, shall be delivered or issued for delivery in this state if it contains a provision which excludes or restricts liability for death caused in a certain speciﬁed manner or occurring while the …

O.C.G.A. § 33-25-6 When issuance of participating and nonparticipating policies permissible

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A life insurer may issue both participating and nonparticipating policies only if the right or absence of right to participate is reasonably related to the premium charged. History. — Code 1933, § 56-1521, enacted by Ga. L. 1960, p. 289, § 1.

O.C.G.A. § 33-25-7 Effect of incontestable clause

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A clause in any policy of life insurance which provides that the policy shall be incontestable after a speciﬁed period shall preclude only a contest of the validity of the policy and shall not preclude the assertion at any time of defenses based upon provisions in the policy whic…

O.C.G.A. § 33-25-8 Right of person to whom policy or contract issued to return policy or contract and receive premium refund; effect of return; proof of return

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(a) Every individual life insurance policy or contract issued for delivery in this state, except those issued in connection with a credit transaction, shall have printed on or attached to the contract a notice stating in substance that the person to whom the policy or contract is…

O.C.G.A. § 33-25-9 Issuance or delivery of life insurance policies as part of or in combination with other contracts, agreements, or plans

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Except as expressly provided in this Code section, no life insurance policy shall be issued or delivered in this state, as a part of or in combination with any insurance, endowment, or annuity contract, any agreement or plan additional to the rights, dividends, and beneﬁts arisin…

O.C.G.A. § 33-26-1 ‘‘Industrial life insurance’’ deﬁned

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Industrial life insurance is that form of insurance under which not more than $2,000.00 on a single life, exclusive of additional beneﬁts in the event of death from accidental means, is payable on any such policy for which the premiums are payable monthly or more frequently and w…

O.C.G.A. § 33-26-2 Required and prohibited provisions generally

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(a) No policy of industrial life insurance shall be delivered or issued for delivery in this state unless it contains in substance the following provisions or contains provisions which in the opinion of the Commissioner are more favorable to policyholders: (1) Grace period. A pro…

O.C.G.A. § 33-26-3 Provision of disability beneﬁts

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Any policy of industrial life insurance may provide a weekly beneﬁt for disability, caused by sickness or accident, not greater than $40.00 per week. History. — Code 1933, § 56-2904, enacted by Ga. L. 1960, p. 289, § 1; Code 1933, § 56-2905, as redesignated by Ga. L. 1981, p. 936…

O.C.G.A. § 33-26-4 Notice of right of person to whom policy or contract issued to return policy or contract and receive premium refund; effect of return of policy or contract; proof of return

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(a) Every industrial life policy or contract issued for delivery in this state shall have printed thereon or attached thereto a notice stating in substance that the person to whom the policy or contract is issued shall be permitted to return the policy or contract within ten days…

O.C.G.A. § 33-26-5 Right of beneﬁciaries and assigns of insurance policies to proceeds as against creditors and representatives of insured

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The proceeds and avails of any industrial life insurance policy shall be free from the claims of creditors and representatives of the insured and of persons effecting the same to the same extent and under the same conditions as provided for in the case of other life insurance pol…

O.C.G.A. § 33-26-6 Applicability of Code Sections 33-25-4, 33-25-5, 33-25-7, 33-25-9, 33-25-10, and 33-25-12

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In addition to the requirements speciﬁcally set forth in this chapter, no policy of industrial life insurance shall be delivered or issued for delivery in this state unless it complies with Code Sections 33-25-4, 33-25-5, 33-25-7, 33-25-9, 33-25-10, and 33-25-12. History. — Code …

O.C.G.A. § 33-26-6.1 Limits on aggregate face amount of policies insuring the life of one person

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No insurer shall knowingly issue an industrial life insurance policy insuring the life of a person if the issuance of such policy would cause the aggregate face amount of industrial life insurance payable on the life of such person under any and all such policies issued by such i…

O.C.G.A. § 33-26-6.2 Premium payment cap on whole life insurance policies

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(a) No insurer shall issue a policy which allows for the collection or payment of premiums which in the aggregate will be greater than 150 percent of the face amount of the policy. (b) This Code section shall apply to industrial whole life policies, which are policies which may b…

O.C.G.A. § 33-26-7 Offering or delivering of policies or contracts in violation of chapter

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Any company, agent, representative, or solicitor for the company, agent, or representative who shall write, offer to the public, or deliver to any insured any policy or contract of insurance which in form or legal effect is contrary to or in violation of this chapter with respect…

O.C.G.A. § 33-27-1 Group requirements generally

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No policy of group life insurance shall be delivered in this state unless it conforms to one of the following descriptions: (1) Employee groups. A policy issued to an employer or to the trustees of a fund established by an employer, which employer or trustee shall be deemed the p…

O.C.G.A. § 33-27-2 Extension of policy coverage to dependents of employees or members

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(a) Any policy issued pursuant to paragraphs (1), (4), and (5) of Code Section 33-27-1 may be extended to insure the employees or members against loss due to the death of their spouses and dependent or minor children or any class or classes thereof, subject to the following requi…

O.C.G.A. § 33-27-3 Required policy provisions

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(a) No policy of group insurance shall be delivered in this state unless it contains in substance the following provisions or provisions which in the opinion of the Commissioner are more favorable to the persons insured or at least as favorable to the persons insured and more fav…

O.C.G.A. § 33-27-4 Payment of interest on proceeds or payments under policies of group life insurance

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Each insurer admitted to transact life insurance in this state shall pay interest on proceeds or payments under any policy of group life insurance payable to a beneﬁciary residing in this state, to a beneﬁciary under a policy issued in this state, or to a beneﬁciary under a polic…

O.C.G.A. § 33-27-5 Notiﬁcation of policyholder of right to convert group policy to individual life insurance policy

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(a) If any individual insured under a group insurance policy delivered in this state becomes entitled under the terms of the policy to have an individual policy of life insurance issued to him or her without evidence of insurability, subject to making of application therefor and …