Title XXIV, BUSINESS AND FINANCIAL INSTITUTIONS

376.426. Group health policies, required provisions. — No policy of group health insurance shall be delivered in this state unless it contains in substance the following provisions, or provisions which in the opinion of the director of the department of commerce and insurance are…

376.427. Assignment of benefits made by insured to provider — payment, how made — exceptions — all claims to be paid, when — out-of-network services, how paid. — 1. As used in this section, the following terms mean: (1) "Health benefit plan", as such term is defined in section 37…

376.428. Federal COBRA provisions to apply to group health insurance policies. — 1. A group policy delivered or issued for delivery in this state by a health carrier or health benefit plan, as defined in section 376.1350, which insures employees or members and their eligible depe…

376.429. Coverage for certain clinical trials for prevention, early detection and treatment of cancer, restrictions — definitions — exclusions. — 1. All health benefit plans, as defined in section 376.1350, that are delivered, issued for delivery, continued or renewed on or after…

376.431. Employees or members of unions or associations, group or group-type basis coverage, sections 376.431 to 376.442 to apply. — The provisions of sections 376.431 to 376.442 are applicable to all insurance policies and contracts issued or provided by an insurance company, he…

376.432. Group-type basis, defined. — As used in sections 376.431 to 376.442, the term "group-type basis" means a benefit plan, other than salary budget plans utilizing individual insurance policies or contracts, which meets the following conditions: (1) Coverage is provided thro…

376.433. Self-insurance plans for health care, public entities — subject to Medicaid rights, obligations, and remedies. — 1. Any public entity which provides, furnishes, or pays for hospital, medical, surgical, or other health care services under a plan of self-insurance to an em…

376.434. Carrier liable for claims incurred during grace period, when — exceptions. — 1. If a policy or contract subject to sections 376.431 to 376.442 provides for automatic discontinuance of the policy or contract after a premium or subscription charge has remained unpaid throu…

376.435. Claim information to be reported, when — covered lives defined. — 1. Beginning January 1, 2008, a health carrier providing a group health benefit plan or plans, as such terms are defined in section 376.1350, to an employer who meets the requirements specified in subsecti…

376.436. Discontinuance notice by carrier, contents — notice forms furnished by carrier for distribution to policyholders. — 1. Any notice of discontinuance so given by the carrier shall include a request to the group policyholder or other entity involved to notify employees cove…

376.438. Group policies, modifying or amending benefits shall provide extension of benefits in event of total disability at date of termination or discontinuance. — 1. Every group policy or other contract subject to sections 376.431 to 376.442, or under which the level of benefit…

376.441. Carrier contract replaced by similar benefit plan of another carrier — liability of prior carrier — succeeding carrier coverage requirements. — When one carrier's contract replaces a plan of similar benefits of another carrier, the prior carrier remains liable only to th…

376.442. Rules and regulations, procedure. — The department of commerce and insurance is authorized to promulgate rules and regulations necessary to the administration or enforcement of the provisions of sections 376.431 to 376.442, pursuant to section 376.982 and chapter 536. ­­…

376.446. Enrollee cost-sharing responsibilities, health carriers to provide timely information — exceptions. — 1. Health carriers shall permit individuals to learn the amount of cost-sharing, including deductibles, copayments, and coinsurance, under the individual's health benefi…

376.450. Citation of law — definitions (Missouri HIPAA). — 1. Sections 376.450 to 376.454 shall be known and may be cited as the "Missouri Health Insurance Portability and Accountability Act". Notwithstanding any other provision of law to the contrary, health insurance coverage o…

376.451. Standards prohibiting discrimination. — 1. A health insurance issuer offering group health insurance coverage shall comply with the following standards prohibiting discrimination as to eligibility based upon health status: (1) A health insurance issuer offering group hea…

376.452. Large group market, renewal or continuation of coverage required — nonrenewal or discontinuation permitted, when — conditions for discontinuation. — 1. Except as provided in this section, if a health insurance issuer offers health insurance coverage in the large group ma…

376.453. Premium — only cafeteria plans required, when. — 1. An employer that provides health insurance coverage for which any portion of the premium is payable by the employer shall not provide such coverage unless the employer has established a premium-only cafeteria plan as pe…

376.454. Individual market, renewal or continuation at option of individual — nonrenewal or discontinuation permitted, when — discontinuation of a type of coverage, procedure. — 1. Except as provided in this section, a health insurance issuer that provides individual health insur…

376.465. Missouri health insurance rate transparency act — definitions — rate filing requirements, procedure — rulemaking authority. — 1. This section shall be known and may be cited as the "Missouri Health Insurance Rate Transparency Act". 2. It is the intent of the Missouri gen…

376.480. Domestic companies may assume risks of foreign companies — duties of director. — Whenever any life insurance company incorporated under the laws of this state assumes the risks, in whole or in part, of any life insurance company incorporated under the laws of any other s…

376.500. Discriminations, rebates and favors prohibited — contracts to conform to policy. — No life insurance company doing business in this state shall make or permit any distinction or discrimination in favor of individuals between insurants (the insured) of the same class and …

376.502. Life insurers not to discriminate based on lawful travel destinations — violations, penalty. — 1. No life insurance company doing business within this state shall deny or refuse to accept an application for life insurance, refuse to renew, cancel, restrict, or otherwise …

376.510. Penalty for violation of section 376.500. — Any life insurance company or association which may violate any of the provisions of section 376.500 or which may permit any of its agents or representatives in this state to violate said provisions, shall have its certificate …

376.531. Life insurance policies, consent of insured required, exceptions — employers have insurable interest in employees, when, effects. — 1. No life insurance contract upon an individual, except a contract of group life insurance, shall be made or effectuated unless at the tim…

376.540. Policy, to whom payable. — In case of the death of the wife before the decease of the husband, the amount of the insurance shall be payable to her heirs, for their use, and to their conservator, if under age, unless otherwise provided for and stipulated in the policy. ­­…

376.562. Charitable, benevolent, educational and religious organizations may be beneficiary or owner of policy, life insurance, when — fraud or coercion, exception. — It shall be lawful for any charitable, benevolent, educational or religious institution qualified pursuant to sec…

376.570. Foreign executor or administrator. — Whenever any nonresident of this state dies leaving a policy of life insurance issued by any life insurance company of this state and payable to his estate, it shall be lawful for the executor or administrator, duly appointed under th…

376.580. Misrepresentation. — No misrepresentation made in obtaining or securing a policy of insurance on the life or lives of any person or persons, citizens of this state, shall be deemed material, or render the policy void, unless the matter misrepresented shall have actually …

376.590. Misrepresentations, false estimates and circulars prohibited — agents — notes to be held until policy delivered. — 1. No life insurance company doing business in this state, and no officer, director, or agent thereof, shall issue or circulate, or cause or permit to be is…

376.600. Penalty for violating section 376.590. — Any life insurance company which may violate any of the provisions of section 376.590, or which may permit any of its agents or representatives in this state to violate said provisions, shall have its certificate of authority or l…

376.610. Defense in case of suits. — In suits brought upon life policies, heretofore or hereafter issued, no defense based upon misrepresentation in obtaining or securing the same shall be valid, unless the defendant shall, at or before the trial, deposit in court for the benefit…

376.620. Suicide, effect on liability — refund of premiums, when. — 1. Any life insurance policy, rider, endorsement, amendment, or certificate issued or delivered in this state may exclude or restrict liability under such policy, rider, endorsement, amendment, or certificate for…

376.630. Life insurance policies not to be forfeited or become invalid, when. — No policies of insurance on life issued prior to the operative date of section 376.670 by any life insurance company authorized to do business in this state shall, after payment upon it of three or mo…

376.640. Paid-up policy may be demanded, when. — At any time after the payment of three or more full annual premiums, and not later than sixty days from the beginning of the extended insurance provided in section 376.630, the legal holder of any policy affected by section 376.630…

376.650. Rules of payment on commuted policy. — If the death of the insured occur within the term of temporary insurance covered by the value of the policy as determined in section 376.630, and if no condition of the insurance other than the payment of premiums shall have been vi…

376.660. Foregoing provisions inapplicable, when. — Sections 376.630 to 376.650 shall not be applicable in the following cases, to wit: If the policy shall contain a provision for an unconditional surrender value, at least equal to the net single premium, for the temporary insura…

376.669. Annuity contract requirements — paid-up annuity benefits, how calculated — cash surrender benefits, how calculated — applicable, when. — 1. This section shall not apply to any reinsurance, group annuity purchased under a retirement plan, or plan of deferred compensation …

376.670. Provisions which shall be contained in life insurance policies, exceptions. — 1. As used in this section, operative date of the valuation manual shall have the same meaning as set forth in section 376.365. 2. In the case of policies issued on or after the operative date …

376.671. Provisions which shall be contained in annuity contracts — inapplicability date. — 1. This section shall not apply to any reinsurance, group annuity purchased under a retirement plan or plan of deferred compensation established or maintained by an employer (including a p…

376.673. Life insurance policies, regulations relative to. — 1. No life insurance policy shall be issued or delivered in this state after October 13, 1967, which: (1) By its terms expressly provides that the policyholder will participate in the distribution of earnings or surplus…

376.674. Life insurance policies, no cash surrender value, regulations relative to. — 1. Notwithstanding any provision of section 376.670 to the contrary, after September 28, 1987, a company may issue policies of life insurance which differ from its existing or currently filed po…

376.675. Life insurance policies and annuity contracts to be approved — exemption, when — director's powers — judicial review of disapproval. — 1. No policy of life insurance or contract of annuity shall be delivered or issued for delivery to any person in this state unless the p…

376.676. Regulation of the valuation of life insurance policies — may adopt NAIC model regulation. — The department of commerce and insurance shall promulgate regulations governing the valuation of life insurance policies. The department of commerce and insurance may adopt the "V…

376.677. Life policies may be issued that have no cash surrender value prior to death — no policy loans so law regulating not applicable — requirements to issue. — 1. Notwithstanding any provision of section 376.670, to the contrary, after September 28, 1987, a company may issue …

376.678. Life insurance policies and annuity contracts, annual statement to holder required — company to furnish policy or contract information to holder upon request. — 1. Notwithstanding any other provision of law, all life insurance companies licensed to do business in this st…