Chapter 215 — INSURANCE

(215 ILCS 5/356z.71) Sec. 356z.71. Coverage for mobile integrated health care services. (a) In this Section: "Eligible recipient" means an individual who has received hospital emergency department services 3 or more times in a period of 4 consecutive months in the past 12 months …

(215 ILCS 5/356z.72) Sec. 356z.72. Wigs and hair prostheses. A group or individual plan of accident and health insurance or managed care plan amended, delivered, issued, or renewed after January 1, 2026 must provide coverage, no less than once every 12 months, for one wig or othe…

(215 ILCS 5/356z.73) (Text of Section from P.A. 104-189) Sec. 356z.73. Insurance coverage for dependent parents. (a) A group or individual policy of accident and health insurance issued, amended, delivered, or renewed after January 1, 2026 that provides dependent coverage shall m…

(215 ILCS 5/356z.74) Sec. 356z.74. Coverage for annual menopause health visit. A group or individual policy of accident and health insurance providing coverage for more than 25 employees that is amended, delivered, issued, or renewed on or after January 1, 2026 shall provide, for…

(215 ILCS 5/356z.75) Sec. 356z.75. Coverage during a generic drug shortage. (a) As used in this Section: "Eligible prescription drug" means a prescription drug approved under 21 U.S.C. 355(c) that is not under patent. "Generic drug" means a drug that is approved pursuant to an ap…

(215 ILCS 5/356z.76) Sec. 356z.76. Coverage for at-home pregnancy tests. A group or individual policy of accident and health insurance or a managed care plan that is amended, delivered, issued, or renewed on or after January 1, 2026 shall provide coverage for at-home, urine-based…

(215 ILCS 5/356z.77) Sec. 356z.77. Coverage of vaccination administration fees. (a) A group or individual policy of accident and health insurance or a managed care plan that is amended, delivered, issued, or renewed on or after January 1, 2026 shall provide coverage for vaccinati…

(215 ILCS 5/356z.78) Sec. 356z.78. Coverage for medically necessary care and treatment to address a major injury to the jaw either through an accident or disease. (a) In this Section, "medically necessary care and treatment to address a major injury to the jaw either through an a…

(215 ILCS 5/356z.8) Sec. 356z.8. Multiple sclerosis preventative physical therapy. A group or individual policy of accident and health insurance or managed care plan amended, delivered, issued, or renewed after the effective date of this amendatory Act of the 94th General Assembl…

(215 ILCS 5/356z.80) (Text of Section from P.A. 104-1) Sec. 356z.80. Coverage for treatments to slow the progression of Alzheimer's disease and related dementias. (a) A group or individual policy of accident and health insurance or a managed care plan that is amended, delivered, …

(215 ILCS 5/356z.9) Sec. 356z.9. Human papillomavirus vaccine. A group or individual policy of accident and health insurance or managed care plan amended, delivered, issued, or renewed after the effective date of this amendatory Act of the 95th General Assembly must provide cover…

(215 ILCS 5/357.1) (from Ch. 73, par. 969.1) Sec. 357.1. Accident and health policy provisions required. Except as provided in section 357.26 of this article each accident and health policy delivered or issued for delivery to any person in this State shall contain the provisions …

(215 ILCS 5/357.10) (from Ch. 73, par. 969.10) Sec. 357.10. "PAYMENT OF CLAIMS: Indemnity for loss of life will be payable in accordance with the beneficiary designation and the provisions respecting such payment which may be prescribed herein and effective at the time of payment…

(215 ILCS 5/357.11) (from Ch. 73, par. 969.11) Sec. 357.11. "PHYSICAL EXAMINATIONS AND AUTOPSY: The company at its own expense shall have the right and opportunity to examine the person of the insured when and as often as it may reasonably require during the pendency of a claim h…

(215 ILCS 5/357.12) (from Ch. 73, par. 969.12) Sec. 357.12. "LEGAL ACTIONS: No civil action shall be brought to recover on this policy prior to the expiration of 60 days after written proof of loss has been furnished in accordance with the requirements of this policy. No such act…

(215 ILCS 5/357.13) (from Ch. 73, par. 969.13) Sec. 357.13. "CHANGE OF BENEFICIARY: Unless the insured makes an irrevocable designation of beneficiary, the right to change of beneficiary is reserved to the insured and the consent of the beneficiary or beneficiaries shall not be r…

(215 ILCS 5/357.14) (from Ch. 73, par. 969.14) Sec. 357.14. Except as provided in section 357.26, no such policy delivered or issued for delivery to any person in this State shall contain provisions respecting the matters set forth in sections 357.15 through 357.24 unless such pr…

(215 ILCS 5/357.15) (from Ch. 73, par. 969.15) Sec. 357.15. "CHANGE OF OCCUPATION: If the insured be injured or contract sickness after having changed his occupation to one classified by the company as more hazardous than that stated in this policy or while doing for compensation…

(215 ILCS 5/357.16) (from Ch. 73, par. 969.16) Sec. 357.16. "MISSTATEMENT OF AGE: If the age of the insured has been misstated, all amounts payable under this policy shall be such as the premium paid would have purchased at the correct age." (Source: Laws 1967, p. 1735.)

(215 ILCS 5/357.17) (from Ch. 73, par. 969.17) Sec. 357.17. "OTHER INSURANCE IN THIS COMPANY: If an accident or health or accident and health policy or policies previously issued by the company to the insured be in force concurrently herewith, making the aggregate indemnity for .…

(215 ILCS 5/357.18) (from Ch. 73, par. 969.18) Sec. 357.18. "INSURANCE WITH OTHER COMPANIES: If there be other valid coverage, not with this company, providing benefits for the same loss on a provision of service basis or on an expense incurred basis and of which this company has…

(215 ILCS 5/357.19) (from Ch. 73, par. 969.19) Sec. 357.19. "INSURANCE WITH OTHER COMPANIES: If there be other valid coverage, not with this company, providing benefits for the same loss on other than an expense incurred basis and of which this company has not been given written …

(215 ILCS 5/357.2) (from Ch. 73, par. 969.2) Sec. 357.2. "ENTIRE CONTRACT; CHANGES: This policy, including the endorsements and the attached papers, if any, constitutes the entire contract of insurance. No change in this policy shall be valid until approved by an executive office…

(215 ILCS 5/357.20) (from Ch. 73, par. 969.20) Sec. 357.20. "RELATION OF EARNINGS TO INSURANCE: If the total monthly amount of loss of time benefits promised for the same loss under all valid loss of time coverage upon the insured, whether payable on a weekly or monthly basis, sh…

(215 ILCS 5/357.21) (from Ch. 73, par. 969.21) Sec. 357.21. "UNPAID PREMIUM: Upon the payment of a claim under this policy, any premium then due and unpaid or covered by any note or written order may be deducted therefrom." (Source: Laws 1967, p. 1735.)

(215 ILCS 5/357.22) (from Ch. 73, par. 969.22) Sec. 357.22. "CANCELLATION: The company may cancel this policy at any time by written notice delivered to the insured, or mailed to his last address as shown by the records of the company, stating when, not less than 30 days thereaft…

(215 ILCS 5/357.23) (from Ch. 73, par. 969.23) Sec. 357.23. "CONFORMITY WITH STATE STATUTES: Any provision of this policy which, on its effective date, is in conflict with the statutes of the state in which the insured resides on such date is hereby amended to conform to the mini…

(215 ILCS 5/357.24) (from Ch. 73, par. 969.24) Sec. 357.24. "ILLEGAL OCCUPATION: The company shall not be liable for any loss to which a contributing cause was the insured's commission of or attempt to commit a felony or to which a contributing cause was the insured's being engag…

(215 ILCS 5/357.25) Sec. 357.25. (Repealed). (Source: Laws 1967, p. 1735. Repealed by P.A. 95-230, eff. 1-1-08.)

(215 ILCS 5/357.26) (from Ch. 73, par. 969.26) Sec. 357.26. If any provision of the preceding sections is in whole or in part inapplicable to or inconsistent with the coverage provided by a particular form of policy the company, with the approval of the Director, shall omit from …

(215 ILCS 5/357.27) (from Ch. 73, par. 969.27) Sec. 357.27. The provisions which are the subject of Sections 357.2 through 357.25, or any corresponding provisions which are used in lieu thereof in accordance with such sections, shall be printed in the consecutive order of the pro…

(215 ILCS 5/357.28) (from Ch. 73, par. 969.28) Sec. 357.28. The word "insured", as used in this article, shall not be construed as preventing a person other than the insured with a proper insurable interest from making application for and owning a policy covering the insured or f…

(215 ILCS 5/357.29) (from Ch. 73, par. 969.29) Sec. 357.29. Any policy of a foreign or alien company, when delivered or issued for delivery to any person in this State, may contain any provision which is not less favorable to the insured or the beneficiary than the provisions of …

(215 ILCS 5/357.3) (from Ch. 73, par. 969.3) Sec. 357.3. "TIME LIMIT ON CERTAIN DEFENSES: (1) After 2 years from the date of issue of this policy no misstatements, except fraudulent misstatements, made by the applicant in the application for such policy shall be used to void the …

(215 ILCS 5/357.30) (from Ch. 73, par. 969.30) Sec. 357.30. The Director may make such reasonable rules and regulations concerning the procedure for the filing or submission of policies subject to this article as are necessary, proper or advisable to the administration of this ar…

(215 ILCS 5/357.31) (from Ch. 73, par. 969.31) Sec. 357.31. In the event of the death of a policyholder of an individual accident and health insurance policy, the insurance company, upon receipt of notice of the policyholder's death and a request for a pro-rata refund, supported …

(215 ILCS 5/357.4) (from Ch. 73, par. 969.4) Sec. 357.4. "GRACE PERIOD: A grace period of ....(insert a number not less than "7" for weekly premium policies, "10" for monthly premium policies and "31" for all other policies) days will be granted for the payment of each premium fa…

(215 ILCS 5/357.5) (from Ch. 73, par. 969.5) Sec. 357.5. "REINSTATEMENT: If any renewal premium be not paid within the time granted the insured for payment, a subsequent acceptance of premium by the company or by any agent duly authorized by the company to accept such premium, wi…

(215 ILCS 5/357.6) (from Ch. 73, par. 969.6) Sec. 357.6. "NOTICE OF CLAIM: Written notice of claim must be given to the company within 20 days after the occurrence or commencement of any loss covered by the policy, or as soon thereafter as is reasonably possible. Notice given by …

(215 ILCS 5/357.7) (from Ch. 73, par. 969.7) Sec. 357.7. "CLAIM FORMS: The company, upon receipt of a notice of claim, will furnish to the claimant such forms as are usually furnished by it for filing proofs of loss. If such forms are not furnished within 15 days after the giving…

(215 ILCS 5/357.8) (from Ch. 73, par. 969.8) Sec. 357.8. "PROOFS OF LOSS: Written proof of loss must be furnished to the company at its said office in case of claim for loss for which this policy provides any periodic payment contingent upon continuing loss within 90 days after t…

(215 ILCS 5/357.9) (from Ch. 73, par. 969.9) Sec. 357.9. "TIME OF PAYMENT OF CLAIMS: Indemnities payable under this policy for any loss other than loss for which this policy provides any periodic payment will be paid immediately upon receipt of due written proof of such loss. Sub…

(215 ILCS 5/357.9a) (from Ch. 73, par. 969.9a) Sec. 357.9a. Delay in payment of claims. Periodic payments of accrued indemnities for loss-of-time coverage under accident and health policies shall commence not later than 30 days after the receipt by the company of the required wri…

(215 ILCS 5/358a) (from Ch. 73, par. 970a) Sec. 358a. Conforming to statute. (1) Other Policy Provisions No policy provision which is not subject to section 357a of this act shall make a policy, or any portion thereof, less favorable in any respect to the insured or the beneficia…

(215 ILCS 5/359a) (from Ch. 73, par. 971a) Sec. 359a. Application. (1) No policy of insurance except an Industrial Accident and Health Policy provided for by this article shall be issued, except upon the signed application of the person or persons sought to be insured. Any inform…

(215 ILCS 5/359b) Sec. 359b. (Repealed). (Source: P.A. 96-857, eff. 1-5-10. Repealed by P.A. 98-969, eff. 1-1-15.)

(215 ILCS 5/359c) Sec. 359c. (Repealed). (Source: P.A. 97-524, eff. 1-1-12. Repealed by P.A. 98-969, eff. 1-1-15.)

(215 ILCS 5/35A-1) Sec. 35A-1. Short title. This Article may be cited as the Risk-Based Capital Law. (Source: P.A. 88-364.)

(215 ILCS 5/35A-10) Sec. 35A-10. RBC Reports. (a) On or before each March 1 (the "filing date"), every domestic insurer shall prepare and submit to the Director a report of its RBC levels as of the end of the previous calendar year in the form and containing the information requi…

(215 ILCS 5/35A-15) Sec. 35A-15. Company action level event. (a) A company action level event means any of the following events: (1) The filing of an RBC Report by an insurer that indicates that: (A) the insurer's total adjusted capital is greater than or equal to its regulatory …