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0 chapters · 1,072 sections in this title.
N.Y. Insurance Law § 3201 Approval of life, accident and health, credit unemployment, and annuity policy forms
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§ 3201. Approval of life, accident and health, credit unemployment, and annuity policy forms. (a) In this article, "policy form" means any policy, contract, certificate, or evidence of insurance and any application therefor, or rider or endorsement thereto, affording benefits of…
N.Y. Insurance Law § 3202 Withdrawal of approval of policy forms
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§ 3202. Withdrawal of approval of policy forms. The superintendent may, in accordance with section three thousand one hundred ten of this chapter, withdraw an approval previously given to a policy form pursuant to section three thousand two hundred one of this article. The super…
N.Y. Insurance Law § 3203 Individual life insurance policies; standard provisions as to contractual rights and responsibilities of policyholders and insurers
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§ 3203. Individual life insurance policies; standard provisions as to\ncontractual rights and responsibilities of policyholders and insurers.\n(a) All life insurance policies, except as otherwise stated herein,\ndelivered or issued for delivery in this state, shall contain in\ns…
N.Y. Insurance Law § 3204 Policy to contain entire contract; statements of applicant to be representations and not warranties; alterations
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§ 3204. Policy to contain entire contract; statements of applicant to be representations and not warranties; alterations. (a) (1) Every policy of life, accident or health insurance, or contract of annuity, delivered or issued for delivery in this state, shall contain the entire …
N.Y. Insurance Law § 3205 Insurable interest in the person; consent required; exceptions
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§ 3205. Insurable interest in the person; consent required; exceptions. (a) In this section: (1) The term, "insurable interest" means: (A) in the case of persons closely related by blood or by law, a substantial interest engendered by love and affection; (B) in the case of other…
N.Y. Insurance Law § 3206 Policies which provide for an adjustable maximum rate of interest on policy loans
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§ 3206. Policies which provide for an adjustable maximum rate of\ninterest on policy loans. (a) In this section:\n (1) The term "policy" includes: (i) life insurance policies subject to\nthe provisions of item (ii) of subparagraph (F) of paragraph eight of\nsubsection (a) of sec…
N.Y. Insurance Law § 3207 Life insurance contracts by or for the benefit of minors; on the lives of minors, limitations on amount
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§ 3207. Life insurance contracts by or for the benefit of minors; on\nthe lives of minors, limitations on amount. (a) A minor above the age of\nfourteen years and six months shall be deemed competent to enter into a\ncontract for, be the owner of, and exercise all rights relatin…
N.Y. Insurance Law § 3208 Antedating of life insurance policies and burial agreements prohibited
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§ 3208. Antedating of life insurance policies and burial agreements prohibited. (a) No insurer shall knowingly deliver or issue for delivery in this state any policy of life insurance that purports to have been issued or to have taken effect more than six months before the date …
N.Y. Insurance Law § 3209 Life insurance, annuities and funding agreements disclosure requirements
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§ 3209. Life insurance, annuities and funding agreements disclosure\nrequirements. (a) Except as hereafter exempted, this section shall apply\nto any solicitation, negotiation or procurement of life insurance,\nannuities or funding agreements occurring within this state. This\ns…
N.Y. Insurance Law § 321 Medical information exchange centers
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§ 321. Medical information exchange centers. (a) Whenever any insurance company (which is a member of a medical information exchange center or which otherwise may transmit medical information in whatever manner to any other similar facility including but not limited to an electr…
N.Y. Insurance Law § 3210 Incontestability after reinstatement
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§ 3210. Incontestability after reinstatement. Any policy of life or non-cancellable disability insurance or contract of annuity delivered or issued for delivery in this state that is reinstated shall be incontestable after the same period following reinstatement and with the con…
N.Y. Insurance Law § 3211 Notice of premium due under life or disability insurance policy; notice to assignees of non-payment of premium
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§ 3211. Notice of premium due under life or disability insurance policy; notice to assignees of non-payment of premium. (a) (1) No policy of life insurance or non-cancellable disability insurance delivered or issued for delivery in this state, and no life insurance certificate d…
N.Y. Insurance Law § 3212 Exemption of proceeds and avails of certain insurance and annuity contracts
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§ 3212. Exemption of proceeds and avails of certain insurance and annuity contracts. (a) In this section: (1) The term "proceeds and avails", in reference to policies of life insurance, includes death benefits, accelerated payments of the death benefit or accelerated payment of …
N.Y. Insurance Law § 3213 Payment of proceeds
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§ 3213. Payment of proceeds. Where the proceeds of a policy of life insurance delivered or issued for delivery in this state are payable, according to its terms, to two or more beneficiaries without designation of their respective interests, the proceeds shall be paid to such be…
N.Y. Insurance Law § 3214 Interest upon proceeds of life insurance policies and annuity contracts
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§ 3214. Interest upon proceeds of life insurance policies and annuity\ncontracts. (a) If an action to recover the proceeds due under a policy\nof life insurance or contract of annuity delivered or issued for\ndelivery in this state results in a judgment against the insurer,\nint…
N.Y. Insurance Law § 3215 Disability benefits in connection with life insurance and annuities
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§ 3215. Disability benefits in connection with life insurance and annuities. (a) No policy of life insurance or contract of deferred annuity, which provides benefits by reason of the disability of the insured, including waiver of premium, shall be delivered or issued for deliver…
N.Y. Insurance Law § 3216 Individual accident and health insurance policy provisions
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§ 3216. Individual accident and health insurance policy provisions. (a) In this section the term: (1) "Policy of accident and health insurance" includes any individual policy or contract covering the kind or kinds of insurance described in paragraph three of subsection (a) of se…
N.Y. Insurance Law § 3217 Minimum standards in the form, content and sale of accident and health insurance; policies and subscriber contracts
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§ 3217. Minimum standards in the form, content and sale of accident and health insurance; policies and subscriber contracts. (a) The superintendent shall issue such regulations he deems necessary or desirable to establish minimum standards, including standards of full and fair d…
N.Y. Insurance Law § 3217-A Disclosure of information
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§ 3217-a. Disclosure of information. The requirements of this section shall apply to all comprehensive, expense-reimbursed health insurance contracts; managed care health insurance contracts; or any other health insurance contract or product for which the superintendent deems su…
N.Y. Insurance Law § 3217-B Prohibitions
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§ 3217-b. Prohibitions. (a) No insurer subject to this article shall by contract, written policy or written procedure prohibit or restrict any health care provider from disclosing to any insured, designated representative or, where appropriate, prospective insured, (hereinafter …
N.Y. Insurance Law § 3217-C Primary and preventive obstetric and gynecologic care
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§ 3217-c. Primary and preventive obstetric and gynecologic care. (a) No insurer subject to this article shall by contract, written policy or procedure limit a female insured's direct access to primary and preventive obstetric and gynecologic services, including annual examinatio…
N.Y. Insurance Law § 3217-D Grievance procedure and access to specialty care
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§ 3217-d. Grievance procedure and access to specialty care. (a) An insurer that issues a comprehensive policy that utilizes a network of providers and is not a managed care health insurance contract as defined in subsection (c) of section four thousand eight hundred one of this …
N.Y. Insurance Law § 3217-E Choice of health care provider
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§ 3217-e. Choice of health care provider. An insurer that is subject to this article and requires or provides for designation by an insured of a participating primary care provider shall permit the insured to designate any participating primary care provider who is available to …
N.Y. Insurance Law § 3217-F Prohibition on lifetime and annual limits
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§ 3217-f. Prohibition on lifetime and annual limits. (a) An insurer shall not establish a lifetime limit on the dollar amount of essential health benefits in an individual, group or blanket policy of hospital, medical, surgical or prescription drug expense insurance. (b) An insu…
N.Y. Insurance Law § 3217-G Maternal depression screenings
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§ 3217-g. Maternal depression screenings. To the extent a policy provides coverage for maternal depression screening, no insurer subject to this article shall by contract, written policy or procedure limit a patient insured's direct access to screening and referral for maternal …
N.Y. Insurance Law § 3217-H Telehealth delivery of services
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§ 3217-h. Telehealth delivery of services. * (a) (1) An insurer shall not exclude from coverage a service that is otherwise covered under a policy that provides comprehensive coverage for hospital, medical or surgical care because the service is delivered via telehealth, as that…
N.Y. Insurance Law § 3217-I Essential health benefits package and limit on cost-sharing
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§ 3217-i. Essential health benefits package and limit on cost-sharing.\n(a) (1) For purposes of this article, "essential health benefits" shall\nmean the following categories of benefits:\n (A) ambulatory patient services;\n (B) emergency services;\n (C) hospitalization;\n (D) m…
N.Y. Insurance Law § 3217-J Utilization review determinations for medically fragile children
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§ 3217-j. Utilization review determinations for medically fragile children. (a) Notwithstanding any inconsistent provision of the insurer's clinical standards, the insurer, and any utilization review agent under contract with such insurer, shall administer and apply the clinical…
N.Y. Insurance Law § 3218 Medicare supplemental insurance policies
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§ 3218. Medicare supplemental insurance policies. (a) In this section: (1) "Medicare" means the coverage of health care costs provided under subchapter XVIII of the federal Social Security Act, 42 U.S.C. §§ 1395 et seq. (2) "Medicare supplemental insurance" means any individual …
N.Y. Insurance Law § 3219 Annuity and pure endowment contracts and certain group annuity certificates; standard provisions as to contractual rights and responsibil...
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§ 3219. Annuity and pure endowment contracts and certain group annuity certificates; standard provisions as to contractual rights and responsibilities of contract holders, certificate holders and insurers. (a) Except as provided in section four thousand two hundred forty of this…
N.Y. Insurance Law § 322 Prohibited referral payment to licensees by motor vehicle repairers
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§ 322. Prohibited referral payment to licensees by motor vehicle repairers. No licensed insurance agent, licensed insurance broker, licensed adjuster, authorized insurer or representative of such insurer shall directly or indirectly request, procure or accept any payment from a …
N.Y. Insurance Law § 3220 Group life insurance policies; standard provisions
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§ 3220. Group life insurance policies; standard provisions. (a) No policy of group life insurance shall be delivered or issued for delivery in this state unless it contains in substance the following provisions or provisions which in the opinion of the superintendent are more fa…
N.Y. Insurance Law § 3221 Group or blanket accident and health insurance policies; standard provisions
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§ 3221. Group or blanket accident and health insurance policies;\nstandard provisions. (a) No policy of group or blanket accident and\nhealth insurance shall, except as provided in subsection (d) hereof, be\ndelivered or issued for delivery in this state unless it contains in\ns…
N.Y. Insurance Law § 3222 Funding agreements
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§ 3222. Funding agreements. (a) Any insurer authorized to deliver or issue for delivery annuity contracts in the state may deliver or issue for delivery one or more funding agreements. The issuance or delivery of such funding agreements shall not be deemed to be doing a kind of …
N.Y. Insurance Law § 3223 Group annuity contracts; standard provisions as to contractual rights and responsibilities of contract holders, certificate holders and a...
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§ 3223. Group annuity contracts; standard provisions as to contractual rights and responsibilities of contract holders, certificate holders and annuitants, and insurers. Except as otherwise provided in section four thousand two hundred forty of this chapter, every group annuity …
N.Y. Insurance Law § 3224 Standard claim forms; accident and health insurance
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§ 3224. Standard claim forms; accident and health insurance. (a) The superintendent shall establish standard claim forms for the services of hospitals, physicians and other health care providers to be used for all accident and health insurance claims. All insurers providing such…
N.Y. Insurance Law § 3224-A Standards for prompt, fair and equitable settlement of claims for health care and payments for health care services
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§ 3224-a. Standards for prompt, fair and equitable settlement of\nclaims for health care and payments for health care services. In the\nprocessing of all health care claims submitted under contracts or\nagreements issued or entered into pursuant to this article and articles\nfor…
N.Y. Insurance Law § 3224-B Rules relating to the processing of health claims and overpayments to physicians
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§ 3224-b. Rules relating to the processing of health claims and overpayments to physicians. (a) Processing of health care claims. This subsection is intended to provide uniformity and consistency in the reporting of medical services and procedures as they relate to the processin…
N.Y. Insurance Law § 3224-C Coordination of benefits
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§ 3224-c. Coordination of benefits. An insurer or organization or corporation licensed or certified pursuant to article forty-three or forty-seven of this chapter or article forty-four of the public health law shall not deny a claim, either in whole or in part, on the basis that…
N.Y. Insurance Law § 3224-D Prescription synchronization
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§ 3224-d. Prescription synchronization. (a) Every individual or group health insurance policy providing prescription drug coverage when applicable to permit synchronization shall permit and apply a daily pro-rated cost-sharing rate to prescriptions that are dispensed by a networ…
N.Y. Insurance Law § 3225 Eligibility for health insurance in cases of exposure to DES
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§ 3225. Eligibility for health insurance in cases of exposure to DES. No policy of accident or health insurance, or group or blanket accident or health insurance or renewals thereof shall be denied or cancelled by the insurer, solely because the insured person has been exposed t…
N.Y. Insurance Law § 3226 Reinsurance contracts excepted
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§ 3226. Reinsurance contracts excepted. The provisions of this article shall not apply to contracts of reinsurance, except as otherwise provided by law.
N.Y. Insurance Law § 3227 Interest upon surrenders, policy loans and other funds
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§ 3227. Interest upon surrenders, policy loans and other funds. (a)\nInterest, at the rate provided for in section three thousand two hundred\nfourteen of this article, shall be payable by life insurers, fraternal\nbenefit societies, and life insurance departments of savings ban…
N.Y. Insurance Law § 3228 Individual accident and health insurance policies; premium refund at death of insured
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§ 3228. Individual accident and health insurance policies; premium refund at death of insured. If the death of the insured or a covered dependent occurs during a period for which the premium under an individual accident and health insurance policy has been paid, the insurer shal…
N.Y. Insurance Law § 3229 Minimum benefit standards for certain long term care plans
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§ 3229. Minimum benefit standards for certain long term care plans.\n(a) The minimum standards for an insurance plan, which may qualify under\nthe partnership for long term care program pursuant to section three\nhundred sixty-seven-f of the social services law, shall be establi…
N.Y. Insurance Law § 3230 Accelerated payment of the death benefit or special surrender value under a life insurance policy
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§ 3230. Accelerated payment of the death benefit or special surrender value under a life insurance policy. (a) The application for a life insurance policy or policy rider which provides for accelerated payment of death benefits or a special surrender value shall: (1) contain a n…
N.Y. Insurance Law § 3231 Rating of individual and small group health insurance policies; approval of superintendent
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* § 3231. Rating of individual and small group health insurance policies; approval of superintendent. (a) (1) No individual health insurance policy and no group health insurance policy covering between one and fifty employees or members of the group or between one and one hundre…
N.Y. Insurance Law § 3231*2 Health insurance policies and subscriber contracts; prohibited claims
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* § 3231. Health insurance policies and subscriber contracts; prohibited claims. (a) For the purposes of this section the terms health care provider, practitioner, clinical laboratory services, pharmacy services, radiation therapy services, physical therapy services or x-ray or …
N.Y. Insurance Law § 3232 Pre-existing condition provisions in health policies
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§ 3232. Pre-existing condition provisions in health policies. Every\nindividual health insurance policy and every group or blanket accident\nand health insurance policy issued or issued for delivery in this state\nwhich includes a pre-existing condition provision shall contain i…
N.Y. Insurance Law § 3232-A Certification of creditable coverage
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§ 3232-a. Certification of creditable coverage. (a) Every insurer who delivers or issues for delivery individual health insurance policies or group or blanket accident and health insurance policies shall provide to covered individuals written certification, in a form as the supe…