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1 chapters · 1,672 sections in this title.
Mich. Comp. Laws § 500.221 Insurance compliance self-evaluative audit document; privilege; disclosure; exceptions; definitions.
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Sec. 221. (1) Except as otherwise provided in this section, an insurance compliance self-evaluative audit document is privileged information and is not discoverable or admissible as evidence in a civil, criminal, or administrative proceeding. (2) Except as otherwise provided in t…
Mich. Comp. Laws § 500.2210 Definitions; insurable interest; employer; trust; exemption from claims.
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Sec. 2210. (1) As used in this section: (a) "Employee benefit plan" means that term as defined by the employee retirement income security act of 1974, Public Law 93-406, 88 Stat. 829. (b) "Employer" means an individual, sole proprietorship, partnership, firm, corporation, associa…
Mich. Comp. Laws § 500.2210a Trustee having insurable interest under MCL 700.7114.
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Sec. 2210a. A trustee of a trust has an insurable interest in the life of an individual as provided in section 7114 of the estates and protected individuals code, 1998 PA 386, MCL 700.7114.
Mich. Comp. Laws § 500.2211 Consent of insured.
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Sec. 2211. (1) Any individual who has an insurable interest in the life of another human being shall not insure that other human being's life for the individual's benefit unless the human being whose life is to be insured consents to be insured in writing. That person's signature…
Mich. Comp. Laws § 500.2212 Insurable interest in life of individual.
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Sec. 2212. Notwithstanding any other section of this act, an organization described in and qualified under section 501(c)(3) of the internal revenue code of 1986, 26 U.S.C. 501, has an insurable interest in the life of an individual who gives written consent to the ownership or p…
Mich. Comp. Laws § 500.2212a Health insurance policy; written summary requirements; style, arrangement and appearance of policy; electronic copy permissible; "board certified" defined.
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Sec. 2212a. (1) An insurer that delivers, issues for delivery, or renews in this state a health insurance policy shall provide a written summary of the health insurance policy in plain English to insureds. The written summary must provide a clear, complete, and accurate descripti…
Mich. Comp. Laws § 500.2212b Policy issued under MCL 550.3405 and to health maintenance organization contract; applicability; termination of affiliation or participation between primary care physician and insurer; notice to insured; effect of termination; definitions.
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Sec. 2212b. (1) This section applies to a policy issued under section 3405 and to a health maintenance organization contract. (2) If affiliation or participation between a primary care physician and an insurer terminates, the physician may provide written notice of this terminati…
Mich. Comp. Laws § 500.2212c Prescription drug prior authorization workgroup; creation; development of methodology; prior authorization request; definitions.
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Sec. 2212c. (1) By January 1, 2015, the workgroup shall develop a standard prior authorization methodology for use by prescribers to request and receive prior authorization from an insurer if a health benefit plan requires prior authorization for prescription drug benefits. The w…
Mich. Comp. Laws § 500.2212d National or regional certification of physician; condition of payment or reimbursement by insurer or health maintenance organization; prohibited.
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Sec. 2212d. An insurer that delivers, issues for delivery, or renews in this state a health insurance policy issued under chapter 34 or a health maintenance organization that issues a health maintenance contract under chapter 35 shall not require as the sole condition precedent t…
Mich. Comp. Laws § 500.2212e Standard electronic prior authorization transaction process; requirements; adverse determination process; denial and appeals; standard report; modification program; definitions.
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Sec. 2212e. (1) For an insurer that delivers, issues for delivery, renews, or administers a health benefit plan in this state, if the health benefit plan requires a prior authorization with respect to any benefit, the insurer or its designee utilization review organization shall,…
Mich. Comp. Laws § 500.2213 Internal formal grievance procedure; approval by director; provisions; person authorized to act on behalf of insured or enrollee; section inapplicable to provider complaint and insurance listed in right to independent review act; written notice to be culturally and linguistically appropriate; definitions.
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Sec. 2213. (1) Except as otherwise provided in subsection (4), an insurer that delivers, issues for delivery, or renews in this state a policy of health insurance shall establish an internal formal grievance procedure for approval by the director for persons covered under the pol…
Mich. Comp. Laws § 500.2213a Expenses incurred by director; calculation; assessment; "insurer" defined.
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Sec. 2213a. (1) The director shall calculate actual and necessary expenses incurred by the director under section 2213 by June 30 of each year for the immediately preceding fiscal year. Except as otherwise provided in subsection (2), the director shall divide these expenses among…
Mich. Comp. Laws § 500.2213b Renewal or continuation of policy; modification; guaranteed renewal; discontinuing plan or product in nongroup or group market; short-term or 1-time limited duration policy or certificate; reports.
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Sec. 2213b. (1) Except as otherwise provided in this section and section 2213e, an insurer that delivers, issues for delivery, or renews in this state a health insurance policy shall renew the policy or continue the policy in force at the option of the individual or, for a group …
Mich. Comp. Laws § 500.2213c Disability income insurer; internal grievance procedure; establishment; contents; “grievance” defined.
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Sec. 2213c. (1) Each disability income insurer shall establish an internal grievance procedure for persons covered under a disability income policy, certificate, or contract. (2) An internal grievance procedure under subsection (1) shall include all of the following: (a) Provide …
Mich. Comp. Laws § 500.2213d Uniform prescription drug information card or other technology.
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Sec. 2213d. (1) A health benefit plan that provides coverage or administers a plan that provides coverage for prescription drugs or devices and that issues, uses, or requires a card or other technology for prescription claims submission and adjudication shall issue for the plan's…
Mich. Comp. Laws § 500.2213e Rescission of health insurance policy; conditions; "rescind coverage" defined; application.
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Sec. 2213e. (1) An insurer that delivers, issues for delivery, or renews in this state a health insurance policy with respect to an individual, including a group to which the individual belongs or family coverage in which the individual is included, shall not rescind coverage und…
Mich. Comp. Laws § 500.2214 Disability insurance; application, use as evidence.
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Sec. 2214. (1) An insured is not bound by a statement made in an application for a disability insurance policy unless the application is included in the policy when the policy is issued. For purposes of this subsection, an application is not included in a policy unless the policy…
Mich. Comp. Laws § 500.2216 Life or disability insurance; alteration of application.
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Sec. 2216. No alteration of any written application for any life or disability insurance policy shall be made by any person other than the applicant without his written consent, except that insertions may be made by the insurer, for administrative purposes only, in such manner as…
Mich. Comp. Laws § 500.2218 Disability insurance; false statement in application; effect.
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Sec. 2218. The falsity of any statement in the application for any disability insurance policy covered by chapter 34 of this code may not bar the right to recovery thereunder unless such false statement materially affected either the acceptance of the risk or the hazard assumed b…
Mich. Comp. Laws § 500.222 Examination of insurers; examination report; hearing; public inspection; disclosure of confidential information; effect of current examination; director's authority to terminate or suspend examination not limited; limitation on foreign insurer examination.
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Sec. 222. (1) The director, in person or by any of his or her authorized deputies or examiners, may examine any or all of the books, records, documents, and papers of an insurer at any time after its articles of incorporation have been executed and filed, or after it has been aut…
Mich. Comp. Laws § 500.2220 Life insurance; solicitor as agent of insurer.
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Sec. 2220. Any person who shall solicit an application for insurance upon the life of another shall, in any controversy between the insured or his beneficiary and the insurer issuing any policy upon such application, be regarded as the agent of the insurer and not the agent of th…
Mich. Comp. Laws § 500.2226 Life insurance; benefits, manner of payment, period, and premiums to be contained in policy.
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Sec. 2226. (1) A life insurer shall not make with or issue to any citizen or resident of this state any contract of life insurance that does not distinctly state the amount of the life benefits, the manner of payment, the period of the continuance, and the amount of the annual, s…
Mich. Comp. Laws § 500.2227 Withholding final settlement amount; notice; escrow procedure to be followed by city, village, or township; disposition of money by local treasurer; commingling funds prohibited; retention of interest to defray expenses; forwarding policy proceeds; proof; effect of failure to provide reasonable proof; demolition of property; civil action for return of policy proceeds; liability; applicability of section; list of cities, villages, and townships; exception to withholding requirements; definitions.
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Sec. 2227. (1) If a claim is filed for a loss to insured real property due to fire, explosion, vandalism, malicious mischief, wind, hail, riot, or civil commotion and a final settlement is reached on the loss to the insured real property, an insurer shall withhold from payment 25…
Mich. Comp. Laws § 500.2228 Automobile insurance; contents of policy.
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Sec. 2228. (1) No policy of insurance against fire, theft, property damage, collision, and/or liability in connection with automobile coverage shall be issued, unless the premium and amount of coverage is stated in the policy. (2) For other provisions required in such policies, s…
Mich. Comp. Laws § 500.223 Application for certificate of authority; fee; withdrawal of application; reapplication fee; disposition.
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Sec. 223. Any insurer making application for an original certificate of authority to transact insurance, or applying for a reissuance of a certificate of authority after the certificate has been terminated for any reason, shall pay to the commissioner the fee of $500.00 for exami…
Mich. Comp. Laws § 500.2230 Mutual insurers other than life; contents of policy.
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Sec. 2230. Mutual insurers, other than life insurers, may insert in any form of policy prescribed by the law of this state any provisions or conditions required by its plan of insurance, which are not inconsistent or in conflict with any law of this state. Such policy, in lieu of…
Mich. Comp. Laws § 500.2232 Reciprocal insurers; contents of policy.
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Sec. 2232. A reciprocal insurer may insert in any form of policy prescribed by the law of this state any provisions or conditions required by its plan of insurance which are not inconsistent or in conflict with the law of this state. Such policy, in lieu of conforming to the lang…
Mich. Comp. Laws § 500.2235 Written notice to insured under worker's compensation insurance policy.
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Sec. 2235. At least annually, in conjunction with a renewal notice, a bill, or other notice of payment due issued in connection with a policy of worker's compensation insurance, an insurer shall send to each insured a written notice containing all of the following statements: (a)…
Mich. Comp. Laws § 500.2236 Forms generally; filing; approval; type size; membership in or subscription to rating organization; substitute form; readability score and other requirements; approval of changes or additions; notice of disapproval or withdrawal of approval; prohibition; hearing; separate violation; penalty; applicability of filing requirements; satisfaction of requirement for delivery of form or notice; "exempt commercial policyholder" and "insurer" defined; court review of order.
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Sec. 2236. (1) Except as otherwise provided in this section, an insurer shall not deliver or issue for delivery in this state a basic insurance policy form or annuity contract form; a printed rider or indorsement form or form of renewal certificate; or a group certificate in conn…
Mich. Comp. Laws § 500.2236a Interest indexed universal life insurance; information to be maintained on file.
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Sec. 2236a. All of the following information shall be maintained on file by the insurer for all interest indexed universal life insurance policies: (a) A description of how the interest credits are determined, including all of the following: (i) A description of the index. (ii) T…
Mich. Comp. Laws § 500.2237 Policy issued under chapter 34; prohibited restriction of liability.
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Sec. 2237. An insurer shall not deliver in this state an insurance policy issued under chapter 34, or issue the policy for delivery in this state, if the policy contains a provision that restricts the liability of the insurer to pay expenses because the expenses are incurred whil…
Mich. Comp. Laws § 500.2239 Health care service rendered by dentist; benefits or reimbursement; “dentist” defined; policies to which section applicable.
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Sec. 2239. (1) If a group or individual hospital, medical, or expense incurred policy delivered, issued for delivery, or renewed in this state provides for benefits for a health care service, those benefits or reimbursement for the provision of the service shall not be denied bec…
Mich. Comp. Laws § 500.224 Examinations and investigations of insurers; expenses; statement to insurers; employment of expert personnel; regulatory fees; expense of administering delinquency proceeding; definitions.
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Sec. 224. (1) All actual and necessary expenses incurred in connection with the examination or other investigation of an insurer or other person regulated under the director's authority must be certified by the director, together with a statement of the work performed including t…
Mich. Comp. Laws § 500.2242 Group disability policy; filing and approval of form; grounds for disapproval; notice, hearing, and appeal requirements; withdrawal of approval; quarterly filing; applicability of section to forms filed by nonprofit dental corporation.
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Sec. 2242. (1) Except as otherwise provided in section 2236(8)(d), a group disability policy must not be issued or delivered in this state unless a copy of the form has been filed with the director and approved by him or her. (2) The director may within 60 days after the filing o…
Mich. Comp. Laws § 500.2243 Group policies; optometric service; coverage.
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Sec. 2243. (1) Notwithstanding any provision of a policy or contract of group accident, group health, or group accident and health insurance, executed after July 23, 1965, if the policy or contract provides for reimbursement for any optometric service that is within the lawful sc…
Mich. Comp. Laws § 500.2246 Insured or applicant for life insurance policy as victim of domestic violence; refusal to provide coverage prohibited; exceptions; liability; applicability to policies on or after June 1, 1998; “domestic violence” defined.
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Sec. 2246. (1) A life insurer that delivers, issues for delivery, or renews in this state a life insurance policy shall not rate, cancel coverage on, refuse to provide coverage for, or refuse to issue or renew a policy solely because an insured or applicant for insurance is or ha…
Mich. Comp. Laws § 500.2248 Automobile insurance; delivery of policy to insured.
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Sec. 2248. (1) A policy of insurance against fire, theft, property damage, collision, or liability in connection with automobile coverage shall not be issued unless the policy, or an exact copy of the policy, is delivered to the insured. (2) For purposes of this section, a person…
Mich. Comp. Laws § 500.224a Report relating to regulatory fees.
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Sec. 224a. Beginning June 1, 1995 and annually thereafter the commissioner shall report to the senate and house of representatives standing committees on insurance issues on revenues raised by the regulatory fees required by the amendatory act that added this section, how the reg…
Mich. Comp. Laws § 500.225 Insurance bureau fund; creation; deposit of fees; reversion to general fund; use of fund.
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Sec. 225. The insurance bureau fund is created in the state treasury as a separate fund. Except as otherwise specifically provided, all fees collected pursuant to this act or under the commissioner's authority shall be deposited in the insurance bureau fund. Money in the insuranc…
Mich. Comp. Laws § 500.2250 Binders or other contracts for temporary insurance; applicability.
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Sec. 2250. Binders or other contracts for temporary insurance shall be considered to include all of the terms and conditions of the policy for which application is made. This section does not apply to a life insurance policy.
Mich. Comp. Laws § 500.2254 Action against domestic insurer by member or beneficiary; conditions.
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Sec. 2254. Suits at law may be prosecuted and maintained by any member against a domestic insurance corporation for claims which may have accrued if payments are withheld more than 60 days after such claims shall have become due. No article, bylaw, resolution or policy provision …
Mich. Comp. Laws § 500.225a Contract for services, supplies, and materials.
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Sec. 225a. The commissioner shall contract for services, supplies, and materials pursuant to Act No. 428 of the Public Acts of 1980, being sections 450.771 to 450.776 of the Michigan Compiled Laws, and pursuant to the competitive bid requirements of the management and budget act,…
Mich. Comp. Laws § 500.226 Disclosure of confidential information; penalty.
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Sec. 226. The commissioner or any of the commissioner's employees or agents shall not divulge confidential information acquired in the course of an examination or investigation except as permitted by section 222(7). A person appointed or acting under this act who discloses any fa…
Mich. Comp. Laws § 500.2260 Life or disability insurance; acts not constituting waiver of defenses.
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Sec. 2260. The acknowledgement by any insurer of the receipt of notice given under any life or disability insurance policy or the furnishing of forms for filing proofs of loss, or the acceptance of such proofs, or the investigation of any claim thereunder shall not operate as a w…
Mich. Comp. Laws § 500.2264 Termination of dependent coverage at specified age; exception.
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Sec. 2264. Any contract or insurance policy delivered on or after July 12, 1966 in this state providing for hospital care or reimbursement for the care of the policyholders and dependents that provides for termination of dependent coverage at a specified age does not apply to an …
Mich. Comp. Laws § 500.2264a Hospital or medical care coverage or reimbursement for children who are full-time or part-time students and take leave of absence.
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Sec. 2264a. (1) Any policy or certificate delivered, issued for delivery, or renewed in this state that provides for hospital or medical care coverage or reimbursement for hospital or medical care for dependent children who are full-time or part-time students shall continue cover…
Mich. Comp. Laws § 500.2266 Electronic delivery of insurance documents; requirements; withdrawal of consent; civil liability; applicability to health insurer or health maintenance organization; definitions.
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Sec. 2266. (1) Subject to the requirements of this section, a notice to a party or any other document that is required in an insurance transaction or that is to serve as evidence of insurance coverage may be delivered, stored, and presented by electronic means if it meets the req…
Mich. Comp. Laws § 500.2270 Definitions.
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Sec. 2270. As used in this chapter: (a) "Certificate of insurance" means a document, regardless of how titled or described, that is prepared by an insurer or insurance producer that is a statement or summary of an insured's property or casualty insurance coverage. Certificate of …
Mich. Comp. Laws § 500.2271 Certificate of insurance; prohibitions.
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Sec. 2271. A person shall not do any of the following: (a) Issue or deliver a certificate of insurance that purports to affirmatively or negatively alter, amend, or extend the coverage provided by an insurance policy referenced in the certificate of insurance. (b) Prepare or issu…
Mich. Comp. Laws § 500.2273 Certificate of insurance; representation.
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Sec. 2273. Except as otherwise provided in an insurance policy, a certificate of insurance does not represent an insurer's obligation to give notice of cancellation or nonrenewal to a person.