Title 83, Insurance

(1) If a vendor of portable electronics or its employee, subsidiary corporation or authorized representative violates any provision of this section, the commissioner may do any of the following:(a) After notice and hearing, impose fines not to exceed One Thousand Dollars ($1,000.…

(1) Not later than July 1, 2013, insurance companies shall provide a premium discount or insurance rate reduction in an amount and manner as established in subsection (6) of this section and according to Section 83-75-5. In addition, insurance companies may also offer additional …

(1) Not later than July 1, 2013, insurance companies shall provide a premium discount or insurance rate reduction in an amount and manner as established in subsection (5) of this section and according to Section 83-75-5. In addition, insurance companies may also offer additional …

For the purposes of this chapter, the term “insurable property” includes single-family residential and commercial property. “Insurable property” also includes modular homes satisfying the codes, standards, or techniques as provided in Section 83-75-1 or 83-75-3. Manufactured home…

The Commissioner of Insurance shall promulgate such rules and regulations as are necessary to implement and administer this chapter.

(1) This chapter shall be known as the “Health Care Sharing Ministries Freedom to Share Act.” (2) A health care sharing ministry shall not be considered to be engaging in the business of insurance for purposes of this Title 83, Mississippi Code of 1972. (3) “Health care sharing m…

This chapter shall be known as the “Mississippi Direct Primary Care Act.”

(a) Those primary care providers who offer direct primary care services to their patients may not decline to accept new direct primary care patients or discontinue care to existing patients solely because of the patient’s health status. A direct primary care provider may decline …

(a) As used in this chapter, the following words and phrases have the meanings as defined in this section unless the context clearly indicates otherwise:(a) “Primary care provider” means an individual or other legal entity that is licensed, registered or otherwise authorized to p…

A direct primary care agreement shall not be considered to be an insurance product nor shall the primary care provider be considered to be engaging in the business of insurance for the purpose of this Title 83, Mississippi Code of 1972.

A primary care provider or agent of a primary care provider is not required to obtain a certificate of authority or license under this chapter to market, sell, or offer to sell a direct primary care agreement.

(a) To offer a direct primary care service, the primary care provider must obtain a completed direct primary care agreement for each patient obtaining direct primary care services. In order to be considered a direct primary care agreement for the purposes of this section, the dir…

This chapter shall be known as the “Travel Insurance Act.”

(1) Notwithstanding any other provisions of this title, no person shall act or represent itself as a travel administrator for travel insurance in this state unless that person:(a) Is a licensed property and casualty insurance producer in this state for activities permitted under …

As the insurer designee, the limited lines travel insurance producer is responsible for the acts of the travel retailer and shall use reasonable means to ensure compliance by the travel retailer with this chapter.

(1) The limited lines travel insurance producer and any travel retailer offering and disseminating travel insurance under the limited lines travel insurance producer license shall be subject to the provisions of Sections 83-5-29 through 83-5-51 and Section 83-17-71, except as oth…

The Commissioner of Insurance may promulgate regulations to implement the provisions of this chapter.

(1) The purpose of this chapter is to promote the public welfare by creating a comprehensive legal framework within which travel insurance may be sold in this state. (2) The requirements of this chapter shall apply to travel insurance which covers any resident of this state, sold…

(a) As used in this chapter, unless the context otherwise requires:(a) “Aggregator site” means a website that provides access to information regarding insurance products from more than one (1) insurer, including product and insurer information, for use in comparison shopping.(b) …

(a) Notwithstanding any other provision of law:(a) The commissioner may issue to an individual or business entity that has filed with the commissioner an application for such limited license in a form and manner prescribed by the commissioner, a limited lines travel insurance pro…

(1) A travel insurer shall pay a premium tax, as provided in Section 27-15-103 or Section 27-15-109, on travel insurance premiums paid by any of the following:(a) An individual primary policyholder who is a resident of this state;(b) A primary certificate holder who is a resident…

Notwithstanding any other provision in law, a travel retailer whose insurance-related activities, and those of its employees and authorized representatives, are limited to offering and disseminating travel insurance on behalf of and under the direction of a limited lines travel i…

(a) Travel protection plans may be offered for one (1) price for the combined features that the travel protection plan offers in this state if:(a) The travel protection plan clearly discloses to the consumer at or prior to the time of purchase that it includes travel insurance, t…

(1) Notwithstanding any other provision of this title, travel insurance shall be classified and filed for purposes of rates and forms under an inland marine line of insurance; provided, however, that travel insurance that provides coverage for sickness, accident, disability or de…

This chapter shall be known and may be cited as the “Own Risk and Solvency Assessment Act.”

(1) Upon the commissioner’s request, and no more than once each year, an insurer shall submit to the commissioner an ORSA Summary Report or any combination of reports that together contain the information described in the ORSA Guidance Manual, applicable to the insurer and/or the…

(1) An insurer shall be exempt from the requirements of this chapter, if:(a) The insurer has annual direct written and unaffiliated assumed premium, including international direct and assumed premium but excluding premiums reinsured with the Federal Crop Insurance Corporation and…

(1) The ORSA Summary Report shall be prepared consistent with the ORSA Guidance Manual, subject to the requirements of subsection (2) of this section. Documentation and supporting information shall be maintained and made available upon examination or upon request of the commissio…

(1) Documents, materials or other information, including the ORSA Summary Report, in the possession of or control of the Department of Insurance that are obtained by, created by or disclosed to the commissioner or any other person under this chapter, is recognized by this state a…

Any insurer failing, without just cause, to timely file the ORSA Summary Report as required in this chapter shall be required, after notice and hearing, to pay a penalty of One Hundred Dollars ($100.00) for each day’s delay, to be recovered by the commissioner and the penalty so …

If any provision of this chapter, or the application thereof to any person or circumstance, is held invalid, such determination shall not affect the provisions or applications of this chapter which can be given effect without the invalid provision or application, and to that end …

The purpose of this chapter is to provide the requirements for maintaining a risk management framework and completing an Own Risk and Solvency Assessment (ORSA) and provide guidance and instructions for filing an ORSA Summary Report with the insurance commissioner of this state. …

(a) As used in this chapter, the following words shall have the meaning ascribed herein unless the context clearly requires otherwise:(a) “Insurance group” means, for the purpose of conducting an ORSA, those insurers and affiliates included within an insurance holding company sys…

An insurer shall maintain a risk management framework to assist the insurer with identifying, assessing, monitoring, managing and reporting on its material and relevant risks. This requirement may be satisfied if the insurance group of which the insurer is a member maintains a ri…

Subject to Section 83-85-13, an insurer, or the insurance group of which the insurer is a member, shall regularly conduct an ORSA consistent with a process comparable to the ORSA Guidance Manual. The ORSA shall be conducted no less than annually but also at any time when there ar…

The Legislature finds that:The purpose of this chapter is to promote the public welfare by creating a comprehensive legal framework within which pet insurance may be sold in this state. These provisions shall apply to pet insurance policies that are issued to any resident of this…

(a) For purposes of this chapter, the following terms shall have the meanings ascribed herein:(a) “Chronic condition” means a condition that can be treated or managed, but not cured.(b) “Congenital anomaly or disorder” means a condition that is present from birth, whether inherit…

(a) A pet insurer transacting pet insurance shall disclose, at a minimum, the following to consumers:(a) If the policy excludes coverage due to any of the following:(i) A preexisting condition;(ii) A hereditary disorder;(iii) A congenital anomaly or disorder; or(iv) A chronic con…

(1) Any person licensed in a major line of authority and appointed by a pet insurer may be authorized to sell, solicit or negotiate a pet insurance product. (2) The commissioner may establish training requirements for insurance producers selling pet insurance to ensure that produ…

The commissioner may issue rules and regulations to implement and administer the provisions of this chapter, including, but not limited to, rules and regulations establishing (a) policy disclosures; (b) policy conditions; (c) sales practices for selling wellness programs, and (d)…

This chapter may be known and shall be cited as the “Association Self-Funded Health Benefit Plan Coverage Act.”

Any purchaser or prospective purchaser of coverage under an association self-funded health benefit plan as described in this chapter shall be provided written notice that the benefit plan is not covered by the Mississippi Life and Health Insurance Guaranty Association.

Any purchaser or prospective purchaser of coverage under an association self-funded health benefit plan as described in this chapter shall be provided written notice that neither the costs of the plan, benefits, nor the benefit plan are regulated by the Mississippi Insurance Depa…

Individuals in this state eligible for coverage under an association self-funded health benefit plan shall be an employee who is covered by an association plan in which an employer is participating or a self-employed individual who is covered by an association plan, including a d…

This chapter shall not apply to a fully insured association health benefit plan or to an association self-funded health benefit plan that is exempt from state insurance regulation in accordance with the provisions of the Employee Retirement Income Security Act of 1974.

Nothing in this chapter shall preclude an association from engaging an insurance producer licensed to sell health insurance in this state for the purposes of reviewing and considering any group health plan offered to an association under this chapter.