New Hampshire Administrative Code

(a) No director or officer of an insurer shall, directly or indirectly: (1) Make or cause to be made a materially false or misleading statement to an accountant in connection with any audit, review or communication required under this rule; or (2) Omit to state, or cause another …

(a) Every insurer required to file an audited financial report pursuant to this rule that has annual direct written and assumed premiums, excluding premiums reinsured with the Federal Crop Insurance Corporation and Federal Flood Program, of $500,000,000 or more shall prepare a re…

(a) Upon written application of any insurer, the commissioner may grant an exemption from compliance with any and all provisions of this rule if the commissioner finds, upon review of the application, that compliance with this rule would constitute a financial or organizational h…

(a) In the case of Canadian and British insurers, the annual audited financial report shall be defined as the annual statement of total business on the form filed by such companies with their supervision authority duly audited by an independent chartered accountant. (b) For such …

The purpose of these rules is to set forth the procedures for filing and the required contents of the Corporate Governance Annual Disclosure (CGAD), deemed necessary by the commissioner to carry out the provisions of RSA 401-D. Notes N.H. Admin. Code § Ins 4502.01 Derived From Vo…

(a) "Commissioner" means the commissioner of the New Hampshire insurance department. (b) "Insurance Group" means, for the purposes of this part, those insurers and affiliates included within an insurance holding company system as defined in RSA 401-B:1, V. (c) "Insurer" means "in…

(a) An insurer, or the insurance group of which the insurer is a member, required to file a CGAD by RSA 401-D shall, no later than June 1 of each calendar year, submit to the commissioner a CGAD that contains the information described in Ins 4502.04. (b) The CGAD must include a s…

(a) The insurer or insurance group shall be as descriptive as possible in completing the CGAD, with inclusion of attachments or example documents that are used in the governance process, since these may provide a means to demonstrate the strengths of their governance framework an…

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

The purpose of this chapter is to establish standards for the insurance fraud investigation unit, insurance company special investigative unit (SIU), and any other interested parties regarding the preparation of an antifraud plan that meets the mandated requirements for developin…

This chapter shall be applicable to every insurance company licensed to write direct business in this state, except for insurance companies writing only credit, home warranty, travel, or title insurance. Notes N.H. Admin. Code § Ins 4601.02 #10024, eff 11-14-11 Amended by Volume …

(a) "Commissioner" means the insurance commissioner. (b) "Department" means the New Hampshire Insurance Department. (c) "National Association of Insurance Commissioners (NAIC)" means the organization comprised of elected or appointed state government officials of the 50 states, t…

(a) An insurer, if requested by the department, subject to RSA 408-D:14 and RSA 417:30, shall submit to the commissioner a detailed description of the company's antifraud plan. (b) Any antifraud plans so submitted shall be subject to review by the commissioner. Notes N.H. Admin. …

(a) The antifraud plan shall be an acknowledgement by the insurer and its SIU that they have established criteria that shall be used to detect suspicious or fraudulent insurance activity relating to the different types of insurance offered by that insurer. (b) One SIU antifraud p…

Pursuant to RSA 417:30, the department shall review insurer antifraud plans, as needed, in order to determine compliance with appropriate state laws. Further, the department shall, in accordance with RSA 417:30, IV, take appropriate administrative action against an insurer that f…

Any requested submission of required information shall not constitute a waiver of an insurer's privilege, trade secret, confidentiality, or any proprietary interest in its antifraud plan or its antifraud related policies and procedures. The commissioner shall maintain the antifra…

(a) The commissioner, upon the commissioner's own initiative or upon request by an insurer, shall waive any requirement of this chapter if such waiver does not contradict the objective or intent of the rule and: (1) Applying the rule provision would cause confusion or would be mi…

The purpose of this part is to implement the provisions of RSA 402-L and RSA 415:18, I-a. (e) to standardize and simplify the terms and provisions of blanket and group accident and health travel insurance policies covering accidental death and dismemberment, any financial loss in…

(a) This part shall apply to all blanket and group accident and health travel insurance policies delivered or issued for delivery in this state. Blanket and group accident and health travel insurance policies that meet the provisions of this part shall not be regulated as major m…

For the purposes of blanket and group accident and health travel insurance policies: (a) "Accident" means any unforeseen or unplanned event or circumstance that results in injury and associated financial loss. The term includes "accidental;" (b) "Covered person" means an individu…

No policy or certificate of coverage or description of coverage of blanket or group accident and health travel insurance shall be issued or delivered to any person or entity in this state, nor shall any application, rider, or endorsement be used in connection therewith, until a c…

(a) Blanket and group accident and health travel insurance benefits shall be payable in connection with a covered trip, involving travel away from a covered individual's home or usual place of business for a specified time. (b) Coverage may be issued to cover foreign and domestic…

(a) When the blanket or group accident and health travel insurance policy provides any of the following benefits, it shall meet the applicable minimum benefit standards per covered person:(1) Accidental death benefits with a minimum death loss benefit of $10,000; (2) Dismembermen…

(a) Blanket and group accident and health travel insurance policies shall not contain provisions that:(1) Guarantee policy renewal; (2) Apply preexisting condition exclusions or limitations; (3) Charge deductibles or co-pays; (4) Provide that the coverage under the policy shall b…

A description of coverage form shall be provided to all covered persons containing the following information: (a) A heading included at the top of the description that contains the company name and the following text: "[COMPANY NAME] BLANKET AND GROUP TRAVEL HEALTH INSURANCE COVE…

Blanket and group accident and health travel insurance claims shall be subject to Ins 1001 on claim settlements. Notes N.H. Admin. Code § Ins 4701.09 Derived from Volume XXXIV Number 41, Filed October 9, 2014, Proposed by #10681, Effective 11/3/2014, Expires 11/3/2024 Amended by …

Blanket accident and health travel insurance claims shall be subject to Ins 1001 on claim settlements. Notes N.H. Admin. Code § Ins 4701.10 Adopted byVolume XXXIV Number 41, Filed October 9, 2014, Proposed by #10681, Effective 11/3/2014, Expires 11/3/2024

Blanket travel health insurance shall be subject to the advertising provisions of Ins 2601. Notes N.H. Admin. Code § Ins 4701.11 Adopted byVolume XXXIV Number 41, Filed October 9, 2014, Proposed by #10681, Effective 11/3/2014, Expires 11/3/2024

The purpose of this part is to implement the provisions of RSA 402-L and RSA 415:6 to standardize and simplify the terms and provisions of individual accident and health travel insurance policies covering accidental death and dismemberment, and financial loss incurred for medical…

(a) This part shall apply to all individual accident and health travel insurance policies delivered or issued for delivery in this state on or after the effective date of this part. Individual accident and health travel insurance policies that meet the provisions of this part sha…

For the purposes of this part: (a) "Accident" means any unforeseen or unplanned event or circumstance that results in injury and associated financial loss. The term includes "accidental;" (b) "Covered person" means an individual that is covered under an individual accident and he…

No policy of individual accident and health travel insurance shall be issued or delivered to any person or entity in this state, nor shall any application, rider or endorsement be used in connection therewith until a copy of the policy form, description of coverage form and premi…

(a) Individual accident and health travel insurance benefits shall be payable in connection with a covered trip, involving travel away from a covered individual's home or usual place of business for a specified time. (b) Coverage may be issued to cover foreign and domestic travel…

(a) When the individual accident and health travel insurance policy provides any of the following benefits, it shall meet the applicable minimum benefit standards per covered person:(1) Accidental death benefits with a minimum death loss benefit of $10,000; (2) Dismemberment bene…

(a) An individual accident and health travel insurance policy shall not contain provisions that: (1) Guarantee policy renewal; (2) Apply preexisting condition exclusions or limitations; (3) Charge deductibles or co-pays; (4) Provide that coverage under the policy shall be excess …

A description of coverage form shall be provided to all covered persons containing the following information: (a) A heading at the top of the description containing the company name and the following text: "[COMPANY NAME] TRAVEL INSURANCE COVERAGE Description of Coverage" (b) The…

Individual accident and health travel insurance claims shall be subject to Ins 1001 on claim settlements. Notes N.H. Admin. Code § Ins 4702.09 Derived from Volume XXXIV Number 41, Filed October 9, 2014, Proposed by #10681, Effective 11/3/2014, Expires 11/3/2024 Amended by Number …

Individual accident and health travel insurance claims shall be subject to Ins 1001 on claim settlements. Notes N.H. Admin. Code § Ins 4702.10 Adopted byVolume XXXIV Number 41, Filed October 9, 2014, Proposed by #10681, Effective 11/3/2014, Expires 11/3/2024

Individual accident and health travel insurance shall be subject to the advertising provisions of Ins 2601. Notes N.H. Admin. Code § Ins 4702.11 Adopted byVolume XXXIV Number 41, Filed October 9, 2014, Proposed by #10681, Effective 11/3/2014, Expires 11/3/2024

The purpose of this part is to implement the provisions of RSA 402-L and RSA 412:2 to standardize and simplify the terms and provisions of blanket, group, or individual personal inland marine travel insurance policies covering personal risks incidental to planned travel for trips…

(a) This part shall apply to all blanket, group, or individual inland marine travel insurance policies delivered or issued for delivery in this state on or after the effective date of this part. (b) Inland marine travel insurance, as defined in Ins 4703.03(c), shall constitute a …

For the purposes of this part: (a) "Covered person" means an individual that is covered under an inland marine travel insurance policy. The term includes "covered individual;" (b) "Description of coverage" means a document that provides a brief description of the insurance covera…

Forms and rates shall be filed consistent with RSA 412. Notes N.H. Admin. Code § Ins 4703.04 Derived from Volume XXXIV Number 41, Filed October 9, 2014, Proposed by #10681, Effective 11/3/2014, Expires 11/3/2024 Amended by Number 24, Filed June 13, 2024, Proposed by #13989, Effec…

(a) Inland marine travel insurance shall be payable in connection with a covered trip, involving: (1) Travel away from a covered individual's home for a specified time; or (2) Travel away from a covered individual's place of business for a specified time. (b) Coverage may be issu…

Inland marine travel insurance coverage shall: (a) Conform to the policy cancellation requirements of RSA 402-L:7, III(c) and RSA 417-B; (b) Provide valuation of lost or damaged personal or business personal property on either an actual cash value basis or based on the cost to re…

An inland marine travel insurance policy shall not contain provisions that: (a) Guarantee policy renewal; (b) Charge a penalty or administrative fee for trip cancellation by the covered individual; (c) Retain unearned premium payments when the trip is cancelled or terminated by t…

A description of coverage form shall be provided to all covered persons containing each item prescribed below: (a) A heading shall be included at the top of the description that contains the company name and the following text: "[COMPANY NAME] TRAVEL INSURANCE COVERAGE Descriptio…