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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,\nand annuity policy forms. (a) In this article, "policy form" means any\npolicy, contract, certificate, or evidence of insurance and any\napplication therefor, or rider or endorsement thereto, affording\nbenefit…
N.Y. Insurance Law § 3202 Withdrawal of approval of policy forms
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§ 3202. Withdrawal of approval of policy forms. The superintendent\nmay, in accordance with section three thousand one hundred ten of this\nchapter, withdraw an approval previously given to a policy form pursuant\nto section three thousand two hundred one of this article. The\ns…
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\nbe representations and not warranties; alterations. (a) (1) Every policy\nof life, accident or health insurance, or contract of annuity, delivered\nor issued for delivery in this state, shall contain the enti…
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;\nexceptions. (a) In this section:\n (1) The term, "insurable interest" means:\n (A) in the case of persons closely related by blood or by law, a\nsubstantial interest engendered by love and affection;\n (B) in the case …
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\nprohibited. (a) No insurer shall knowingly deliver or issue for delivery\nin this state any policy of life insurance that purports to have been\nissued or to have taken effect more than six months before the da…
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\ninsurance company (which is a member of a medical information exchange\ncenter or which otherwise may transmit medical information in whatever\nmanner to any other similar facility including but not limited to an\nel…
N.Y. Insurance Law § 3210 Incontestability after reinstatement
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§ 3210. Incontestability after reinstatement. Any policy of life or\nnon-cancellable disability insurance or contract of annuity delivered or\nissued for delivery in this state that is reinstated shall be\nincontestable after the same period following reinstatement and with the\…
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\npolicy; notice to assignees of non-payment of premium.\n (a) (1) No policy of life insurance or non-cancellable disability\ninsurance delivered or issued for delivery in this state, and no life\ninsurance certific…
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\nannuity contracts. (a) In this section:\n (1) The term "proceeds and avails", in reference to policies of life\ninsurance, includes death benefits, accelerated payments of the death\nbenefit or accelerated paymen…
N.Y. Insurance Law § 3213 Payment of proceeds
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§ 3213. Payment of proceeds. Where the proceeds of a policy of life\ninsurance delivered or issued for delivery in this state are payable,\naccording to its terms, to two or more beneficiaries without designation\nof their respective interests, the proceeds shall be paid to such…
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\nannuities. (a) No policy of life insurance or contract of deferred\nannuity, which provides benefits by reason of the disability of the\ninsured, including waiver of premium, shall be delivered or issued for\ndel…
N.Y. Insurance Law § 3216 Individual accident and health insurance policy provisions
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§ 3216. Individual accident and health insurance policy provisions.\n(a) In this section the term:\n (1) "Policy of accident and health insurance" includes any individual\npolicy or contract covering the kind or kinds of insurance described in\nparagraph three of subsection (a) …
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\nand health insurance; policies and subscriber contracts. (a) The\nsuperintendent shall issue such regulations he deems necessary or\ndesirable to establish minimum standards, including standards of full\nand fa…
N.Y. Insurance Law § 3217-A Disclosure of information
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§ 3217-a. Disclosure of information. The requirements of this section\nshall apply to all comprehensive, expense-reimbursed health insurance\ncontracts; managed care health insurance contracts; or any other health\ninsurance contract or product for which the superintendent deems…
N.Y. Insurance Law § 3217-B Prohibitions
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§ 3217-b. Prohibitions. (a) No insurer subject to this article shall\nby contract, written policy or written procedure prohibit or restrict\nany health care provider from disclosing to any insured, designated\nrepresentative or, where appropriate, prospective insured, (hereinaft…
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)\nNo insurer subject to this article shall by contract, written policy or\nprocedure limit a female insured's direct access to primary and\npreventive obstetric and gynecologic services, including annual\nexamin…
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\ninsurer that issues a comprehensive policy that utilizes a network of\nproviders and is not a managed care health insurance contract as defined\nin subsection (c) of section four thousand eight hundred one of th…
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\nto this article and requires or provides for designation by an insured\nof a participating primary care provider shall permit the insured to\ndesignate any participating primary care provider who is available …
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\nshall not establish a lifetime limit on the dollar amount of essential\nhealth benefits in an individual, group or blanket policy of hospital,\nmedical, surgical or prescription drug expense insurance.\n (b) An…
N.Y. Insurance Law § 3217-G Maternal depression screenings
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§ 3217-g. Maternal depression screenings. To the extent a policy\nprovides coverage for maternal depression screening, no insurer subject\nto this article shall by contract, written policy or procedure limit a\npatient insured's direct access to screening and referral for matern…
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\nnot exclude from coverage a service that is otherwise covered under a\npolicy that provides comprehensive coverage for hospital, medical or\nsurgical care because the service is delivered via telehealth, as t…
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\nchildren. (a) Notwithstanding any inconsistent provision of the\ninsurer's clinical standards, the insurer, and any utilization review\nagent under contract with such insurer, shall administer and apply the\nclin…
N.Y. Insurance Law § 3218 Medicare supplemental insurance policies
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§ 3218. Medicare supplemental insurance policies. (a) In this section:\n (1) "Medicare" means the coverage of health care costs provided under\nsubchapter XVIII of the federal Social Security Act, 42 U.S.C. §§ 1395\net seq.\n (2) "Medicare supplemental insurance" means any indiv…
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\ncertificates; standard provisions as to contractual rights and\nresponsibilities of contract holders, certificate holders and insurers.\n(a) Except as provided in section four thousand two hundred forty of\n…
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\nrepairers. No licensed insurance agent, licensed insurance broker,\nlicensed adjuster, authorized insurer or representative of such insurer\nshall directly or indirectly request, procure or accept any payment from…
N.Y. Insurance Law § 3220 Group life insurance policies; standard provisions
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§ 3220. Group life insurance policies; standard provisions. (a) No\npolicy of group life insurance shall be delivered or issued for delivery\nin this state unless it contains in substance the following provisions\nor provisions which in the opinion of the superintendent are more…
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\nissue for delivery annuity contracts in the state may deliver or issue\nfor delivery one or more funding agreements. The issuance or delivery of\nsuch funding agreements shall not be deemed to be doing a kind …
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\nrights and responsibilities of contract holders, certificate holders and\nannuitants, and insurers. Except as otherwise provided in section four\nthousand two hundred forty of this chapter, every group annui…
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\nsuperintendent shall establish standard claim forms for the services of\nhospitals, physicians and other health care providers to be used for all\naccident and health insurance claims. All insurers providing s…
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\noverpayments to physicians. (a) Processing of health care claims. This\nsubsection is intended to provide uniformity and consistency in the\nreporting of medical services and procedures as they relate to the\nproce…
N.Y. Insurance Law § 3224-C Coordination of benefits
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§ 3224-c. Coordination of benefits. An insurer or organization or\ncorporation licensed or certified pursuant to article forty-three or\nforty-seven of this chapter or article forty-four of the public health\nlaw shall not deny a claim, either in whole or in part, on the basis\n…
N.Y. Insurance Law § 3224-D Prescription synchronization
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§ 3224-d. Prescription synchronization. (a) Every individual or group\nhealth insurance policy providing prescription drug coverage when\napplicable to permit synchronization shall permit and apply a daily\npro-rated cost-sharing rate to prescriptions that are dispensed by a\nne…
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.\nNo policy of accident or health insurance, or group or blanket accident\nor health insurance or renewals thereof shall be denied or cancelled by\nthe insurer, solely because the insured person has been expose…
N.Y. Insurance Law § 3226 Reinsurance contracts excepted
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§ 3226. Reinsurance contracts excepted. The provisions of this article\nshall not apply to contracts of reinsurance, except as otherwise\nprovided by law.\n
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\nrefund at death of insured. If the death of the insured or a covered\ndependent occurs during a period for which the premium under an\nindividual accident and health insurance policy has been paid, the\ninsurer …
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\nvalue under a life insurance policy. (a) The application for a life\ninsurance policy or policy rider which provides for accelerated payment\nof death benefits or a special surrender value shall:\n (1) contai…
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\npolicies; approval of superintendent. (a) (1) No individual health\ninsurance policy and no group health insurance policy covering between\none and fifty employees or members of the group or between one and one\nhu…
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;\nprohibited claims. (a) For the purposes of this section the terms health\ncare provider, practitioner, clinical laboratory services, pharmacy\nservices, radiation therapy services, physical therapy services or x-ray\…
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\ndelivers or issues for delivery individual health insurance policies or\ngroup or blanket accident and health insurance policies shall provide to\ncovered individuals written certification, in a form as the\n…