New Hampshire Administrative Code

(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 mis…

Notes N.H. Admin. Code § Ins 4801.01 - Ins 4801.02 #10237, eff 1-1-13 Repealed by Volume XLI Number 32, Filed August 12, 2021, Proposed by #13237, Effective 7/19/2021, Expires 7/19/2031

Notes N.H. Admin. Code § Ins 4803.01 - Ins 4803.02 #10237, eff 1-1-13 Repealed by Volume XLI Number 32, Filed August 12, 2021, Proposed by #13237, Effective 7/19/2021, Expires 7/19/2031

Notes N.H. Admin. Code § Ins 4804.01 - Ins 4804.06 #10237, eff 1-1-13 Repealed by Volume XLI Number 32, Filed August 12, 2021, Proposed by #13237, Effective 7/19/2021, Expires 7/19/2031

Notes N.H. Admin. Code § Ins 4805.01 - Ins 4805.03 #10237, eff 1-1-13 Repealed by Volume XLI Number 32, Filed August 12, 2021, Proposed by #13237, Effective 7/19/2021, Expires 7/19/2031

Notes N.H. Admin. Code § Ins 4808.01 - Ins 4808.06 #10237, eff 1-1-13 Repealed by Volume XLI Number 32, Filed August 12, 2021, Proposed by #13237, Effective 7/19/2021, Expires 7/19/2031

Notes N.H. Admin. Code § Ins 4812.01 - Ins 4812.04 #10237, eff 1-1-13 Repealed by Volume XLI Number 32, Filed August 12, 2021, Proposed by #13237, Effective 7/19/2021, Expires 7/19/2031

Notes N.H. Admin. Code § Ins 4901.01 - Ins 4901.06 #10501, eff 1-3-14 Repealed by Volume XLI Number 32, Filed August 12, 2021, Proposed by #13238, Effective 7/19/2021, Expires 7/19/2031

(a) The purpose of Ins 5001 is to establish standards and procedures for the filing of property and casualty insurance forms and rates to be used within this state. (b) Ins 5001 shall apply to all licensed admitted writers of property and casualty insurance in this state and advi…

(a) "Commissioner" means the insurance commissioner. (b) "Department" means the New Hampshire insurance department. (c) "Mold" means any type or form of fungus, including mold or mildew, and any mycotoxins, spores, scents, or by-products produced or released by a fungus, wet or d…

(a) All forms required to be filed pursuant to RSA 412 shall be submitted through SERFF. Forms and rates shall be filed together or separately. (b) All form filings shall include the following:(1) A notation in the SERFF general information tab if a filing is a new program; and (…

(a) All rates and support required to be filed pursuant to RSA 412 shall be submitted through SERFF. Forms and rates shall be filed together or separately. (b) All rate filings shall include the following:(1) A notation in the SERFF general information tab if a filing includes a …

All applications that are attached to a policy and become part of the policy shall be submitted for review under RSA 412:5 and shall comply with the following: (a) The declarative portion of the application, if any, shall consist of representations of facts made to the best of th…

(a) Each form shall be designated by a form number composed of numbers, letters, or both, and: (1) The form number shall be sufficient to distinguish the form from all other forms used by the company; (2) The form number may contain the prefix "Form No."; (3) The form number shal…

(a) Coverage under a policy may be voided or denied for the insured or insureds who, whether before or after a loss, have intentionally concealed or misrepresented any material fact or circumstance, engaged in fraudulent conduct, or made false statements relating to this insuranc…

(a) The commissioner, upon the commissioner's own initiative or upon request by an insurer, shall waive any requirement of this part 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 misle…

The purpose of this rule is to set forth rules and procedural requirements that the commissioner deems necessary to carry out the provisions of RSA 405:45, RSA 405:46, RSA 405:47, RSA 405:48, RSA 405:49, RSA 405:50, RSA 405:50-a, RSA 405:51, and RSA 405:52. The actions and inform…

Pursuant to RSA 405:47, I, the commissioner shall allow credit for reinsurance ceded by a domestic insurer to an assuming insurer that was licensed in this state as of any date on which statutory financial statement credit for reinsurance is claimed. Notes N.H. Admin. Code § Ins …

(a) Pursuant to RSA 405:47, II, the commissioner shall allow credit for reinsurance ceded by a domestic insurer to an assuming insurer that is accredited as a reinsurer in this state as of the date on which statutory financial statement credit for reinsurance is claimed. An accre…

(a) Pursuant to RSA 405:47, III, the commissioner shall allow credit for reinsurance ceded by a domestic insurer to an assuming insurer that as of any date on which statutory financial statement credit for reinsurance is claimed: (1) Is domiciled in (or, in the case of a U.S. bra…

(a) Pursuant to RSA 405:47, IV, the commissioner shall allow credit for reinsurance ceded by a domestic insurer to an assuming insurer which, as of any date on which statutory financial statement credit for reinsurance is claimed, and thereafter for so long as credit for reinsura…

(a) Pursuant to RSA 405:47IV-a., the commissioner shall allow credit for reinsurance ceded by a domestic insurer to an assuming insurer that has been certified as a reinsurer in this state at all times for which statutory financial statement credit for reinsurance is claimed unde…

(a) Pursuant to RSA 405:47, IV-b, the commissioner shall allow credit for reinsurance ceded by a domestic insurer to an assuming insurer that is licensed to write reinsurance by, and has its head office or is domiciled in, a Reciprocal Jurisdiction, and which meets the other requ…

Pursuant to RSA 405:47, V, the commissioner shall allow credit for reinsurance ceded by a domestic insurer to an assuming insurer not meeting the requirements of RSA 405:47, I, II, III, IV, IV-a, or IV-b, but only as to the insurance of risks located in jurisdictions where such r…

(a) Pursuant to RSA 405:50, the commissioner shall allow a reduction from liability for reinsurance ceded by a domestic insurer to an assuming insurer not meeting the requirements of RSA 405:47 in an amount not exceeding the liabilities carried by the ceding insurer. The reductio…

(a) As used in this section:(1) "Beneficiary" means the entity for whose sole benefit the trust has been established and any successor of the beneficiary by operation of law. If a court of law appoints a successor in interest to the named beneficiary, then the named beneficiary i…

(a) The letter of credit must be clean, irrevocable and unconditional and issued or confirmed by a qualified United States financial institution as defined in RSA 405:46, II. The letter of credit shall contain an issue date and expiration date and shall stipulate that the benefic…

A ceding insurer may take credit for unencumbered funds withheld by the ceding insurer in the United States subject to withdrawal solely by the ceding insurer and under its exclusive control. Notes N.H. Admin. Code § Ins 601.12 (See Revision Note at chapter heading for Ins 600) #…

(a) Credit shall not be granted, nor an asset or reduction from liability allowed, to a ceding insurer for reinsurance effected with assuming insurers meeting the requirements of Ins 601.02, Ins 601.03, Ins 601.04, Ins 601.05, Ins 601.06, and Ins 601.09 or otherwise in compliance…

The purpose of this part is to implement the provisions of RSA 415-A to standardize and simplify the terms and coverages of individual ancillary health insurance policies, group ancillary health policies and certificates, and blanket policies and certificates providing ancillary …

(a) This part applies to all individual health insurance policies, group health policies and certificates, and blanket policies and certificates providing health insurance, unless otherwise specified, which provide coverages that are considered ancillary health insurance and are …

For the purposes of all ancillary health insurance, unless stated otherwise, the following definitions shall apply: (a) "Activities of daily living (ADL)" means activities related to personal care, such as bathing or showering, dressing, getting in and out of bed or a chair, walk…

Except as provided in this part, an individual ancillary health policy or group ancillary health insurance certificate delivered or issued for delivery to any person in this state and to which this part applies shall contain definitions respecting matters set forth below that com…

(a) Except as provided in Ins 6001.04(l), an ancillary health policy or certificate shall not contain provisions establishing a probationary or waiting period during which no coverage is provided under the policy, except for specified disease coverage. Elimination periods shall b…

(a) An individual ancillary health policy shall comply with the following provisions: (1) If the policy provides for any reduction in benefits or benefit period because of the attainment of a specified age limit, reference thereto shall be set forth on the first or the specificat…

(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…

This chapter is applicable to all ancillary health insurance policies and certificates issued or provided by a carrier on a group basis. Notes N.H. Admin. Code § Ins 6101.01 Derived from Volume XXXVIII Number 06, Filed February 8, 2018, Proposed by #12471, Effective 1/31/2018, Ex…

(a) If a policy or contract subject to this part provides for automatic discontinuance of the policy or contract after a premium has remained unpaid through the grace period allowed for such payment, pursuant to RSA 415:18, the carrier shall be liable for valid claims for covered…

Any notice of discontinuance shall comply with the provisions of RSA 415:18. Notes N.H. Admin. Code § Ins 6101.03 Derived from Volume XXXVIII Number 06, Filed February 8, 2018, Proposed by #12471, Effective 1/31/2018, Expires 1/31/2028.

Every group policy, contract, or certificate subject to this part, except dental expense coverage, issued on or after the effective date of this part, or under which the level of benefits is altered, modified, or amended on or after the effective date of this part, shall provide …

This section shall indicate the carrier responsible for liability in those instances in which one carrier's policy or certificate replaces a plan of similar benefits of another carrier. (a) After discontinuance of the policy or certificate, the prior carrier remains liable only t…

This section is applicable to all ancillary health insurance policies issued or provided by a carrier on an individual basis. Notes N.H. Admin. Code § Ins 6102.01 Derived From Volume XXXVIII Number 28, Filed July 12, 2018, Proposed by #12560, Effective 6/25/2018, Expires 6/25/202…

(a) An application form shall include a question designed to elicit information as to whether the insurance to be issued is intended to replace any other ancillary health insurance subject to this part and presently in force. A supplementary application or other form to be signed…

(a) The commissioner, upon the commissioner's own initiative or upon request by an insurer, shall waive any requirement of this part 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 misle…

This part shall be applicable to all ancillary health insurance policies issued or provided by a carrier on an individual basis, except dental and vision expense policies. Notes N.H. Admin. Code § Ins 6103.01 Derived From Volume XXXVIII Number 41, Filed October 11, 2018, Proposed…

(a) "Block of business" means the total number of policies written by one insurance company using the same policy forms. Notes N.H. Admin. Code § Ins 6103.02 Derived From Volume XXXVIII Number 41, Filed October 11, 2018, Proposed by #12630, Effective 9/28/2018, Expires 9/28/2028.…

(a) In order to discontinue a block of business, the insurer shall make such request in writing and through the System for Electronic Rate and Form Filings (SERFF) at https://www.serff.com/ to the commissioner 60 days prior to the date of discontinuance and include in such reques…