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0 chapters · 1,072 sections in this title.
N.Y. Insurance Law § 3233 Stabilization of health insurance markets and premium rates
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§ 3233. Stabilization of health insurance markets and premium rates. (a) Notwithstanding any provision of this chapter or any other chapter, on or before October first, nineteen hundred ninety-two the superintendent shall promulgate regulations to assure an orderly implementatio…
N.Y. Insurance Law § 3234 Pre-existing condition provisions in group and blanket disability policies
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* § 3234. Pre-existing condition provisions in group and blanket disability policies. (a) Every group or blanket policy issued or issued for delivery in this state which provides benefits by reason of the disability of the insured and which includes a pre-existing condition prov…
N.Y. Insurance Law § 3234*2 Limitations on administrative services and stop-loss coverage
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* § 3234. Limitations on administrative services and stop-loss coverage. No insurer, subsidiary of an insurer, or controlled person of a holding company system may act as an administrator or claims paying agent, as opposed to an insurer, on behalf of a group which denies or limi…
N.Y. Insurance Law § 3235 Explanation of benefits forms relating to claims under medicare supplemental insurance policies and limited benefits health insurance pol...
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§ 3235. Explanation of benefits forms relating to claims under medicare supplemental insurance policies and limited benefits health insurance policies or certificates designed primarily to supplement medicare benefits. (a) Every insurer issuing medicare supplement insurance poli…
N.Y. Insurance Law § 3236 Public health law assessments
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§ 3236. Public health law assessments. Any insurer licensed pursuant to this chapter and any health maintenance organization certified pursuant to article forty-four of the public health law or licensed pursuant to this chapter shall reflect the methodology for financing the cos…
N.Y. Insurance Law § 3237 Health insurance coverage for full-time students on medical leaves of absence
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§ 3237. Health insurance coverage for full-time students on medical leaves of absence. (a) Every individual health insurance policy and every group or blanket accident and health insurance policy that provides coverage for dependent children who are full-time students to a highe…
N.Y. Insurance Law § 3238 Pre-authorization of health care services
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§ 3238. Pre-authorization of health care services. (a) An insurer,\ncorporation organized pursuant to article forty-three of this chapter,\nmunicipal cooperative health benefits plan certified pursuant to article\nforty-seven of this chapter, or health maintenance organization a…
N.Y. Insurance Law § 3239 Wellness programs
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§ 3239. Wellness programs. (a) An insurer licensed to write life\ninsurance may establish a wellness program in conjunction with its\nissuance of life insurance policies and an insurer licensed to write\naccident and health insurance, a corporation organized pursuant to\narticle…
N.Y. Insurance Law § 3240 Unclaimed benefits
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* § 3240. Unclaimed benefits. (a) Definitions. For the purposes of\nthis section:\n (1) "Account" means: (A) any mechanism, whether denoted as a retained\nasset account or otherwise, whereby the settlement of proceeds payable\nto a beneficiary under a policy is accomplished by t…
N.Y. Insurance Law § 3240*2 Student accident and health insurance
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* § 3240. Student accident and health insurance. (a) In this section:\n (1)(A) "Student accident and health insurance" means a policy or\ncontract of hospital, medical, or surgical expense insurance delivered\nor issued for delivery in this state on or after January first, two\n…
N.Y. Insurance Law § 3241 Network coverage
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§ 3241. Network coverage. * (a) (1) An insurer, a corporation organized pursuant to article forty-three of this chapter, a municipal cooperative health benefit plan certified pursuant to article forty-seven of this chapter, or a student health plan established or maintained purs…
N.Y. Insurance Law § 3242 Prescription drug coverage
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§ 3242. Prescription drug coverage. * (a) Every insurer that delivers\nor issues for delivery in this state a policy that provides coverage for\nprescription drugs shall, with respect to the prescription drug\ncoverage, publish an up-to-date, accurate, and complete list of all\n…
N.Y. Insurance Law § 3243 Discrimination because of sex or marital status in hospital, surgical or medical expense insurance
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§ 3243. Discrimination because of sex or marital status in hospital, surgical or medical expense insurance. (a) With regard to an accident and health insurance policy that provides hospital, surgical, or medical expense coverage or a policy of student accident and health insuran…
N.Y. Insurance Law § 3244 Explanation of benefits forms relating to claims under certain accident and health insurance policies
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§ 3244. Explanation of benefits forms relating to claims under certain accident and health insurance policies. (a) Every insurer, including health maintenance organizations operating under article forty-four of the public health law or article forty-three of this chapter and any…
N.Y. Insurance Law § 3245 Liability to providers in the event of an insolvency
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§ 3245. Liability to providers in the event of an insolvency. In the event an insurance company authorized to do an accident and health insurance business in this state is deemed insolvent, as provided in section one thousand three hundred nine of this chapter, no insured covere…
N.Y. Insurance Law § 325 Records of domestic insurers
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§ 325. Records of domestic insurers. (a) Every domestic insurer and every licensed United States branch of an alien insurer entered through this state shall, except as hereinafter provided, keep and maintain at its principal office in this state its charter and by-laws (in the c…
N.Y. Insurance Law § 329 Certificates as evidence; affirmation of documents and testimony
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§ 329. Certificates as evidence; affirmation of documents and testimony. (a) Every certificate, assignment, conveyance or other paper executed by the superintendent or one of his deputies pursuant to law and sealed with the official seal of the department shall be received as ev…
N.Y. Insurance Law § 330 Rating services available to other states
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§ 330. Rating services available to other states. (a) The superintendent shall have authority to contract with the insurance supervisory officials of other states to make available the services of the rating and statistics sections of the department for the purpose of examining …
N.Y. Insurance Law § 331 Superintendent to maintain index of tax districts; insurers' requirements
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§ 331. Superintendent to maintain index of tax districts; insurers' requirements. (a) The superintendent shall maintain a suitable index of tax districts which, pursuant to the provisions of section twenty-two of the general municipal law, file with him a notice of intention to …
N.Y. Insurance Law § 333 Assessments to defray expenses of Committee on Valuation of Securities of the National Association of Insurance Commissioners
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§ 333. Assessments to defray expenses of Committee on Valuation of Securities of the National Association of Insurance Commissioners. (a) The purpose of this section is to provide a means of making funds available, not in excess of two hundred fifty thousand dollars in any one y…
N.Y. Insurance Law § 335 Implementation of hospital reimbursement methodology
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§ 335. Implementation of hospital reimbursement methodology. The superintendent shall have the power to prescribe rules and regulations governing insurer procedures and subscriber contract provisions necessary to implement a hospital reimbursement methodology established in acco…
N.Y. Insurance Law § 336 War risk exclusion; notification
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§ 336. War risk exclusion; notification. Prior to a life insurer commencing the issuance of life insurance policies which contain any provision that restricts or excludes payment of the life insurance death benefit in the event of death as the result of war or the special hazard…
N.Y. Insurance Law § 337 Annual consumer guide on automobile insurance
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§ 337. Annual consumer guide on automobile insurance. (a) The superintendent shall issue and update, as necessary, a consumer guide on private passenger automobile insurance that shall contain comprehensive information written in plain language in a clear and understandable form…
N.Y. Insurance Law § 339 Colorectal cancer screening notification
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§ 339. Colorectal cancer screening notification. The superintendent shall require an insurer authorized to write accident and health insurance in this state, a corporation organized pursuant to article forty-three of this chapter, and a health maintenance organization certified …
N.Y. Insurance Law § 340 Report of claims that may result in a monetary award
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§ 340. Report of claims that may result in a monetary award. (a) Definition; for the purposes of this section: "Central reporting organization" shall mean any entity which receives from, assimilates or disseminates information to insurers or the department of social services reg…
N.Y. Insurance Law § 3401 Insurable interest in property
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§ 3401. Insurable interest in property. No contract or policy of insurance on property made or issued in this state, or made or issued upon any property in this state, shall be enforceable except for the benefit of some person having an insurable interest in the property insured…
N.Y. Insurance Law § 3402 Executory contract not a change in interest, title or possession
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§ 3402. Executory contract not a change in interest, title or possession. The making of a contract to sell or to exchange real property shall not constitute a change in the interest, title or possession, within the meaning of the applicable provisions of any contract of fire ins…
N.Y. Insurance Law § 3404 Fire insurance contracts; standard policy provisions; permissible variations
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§ 3404. Fire insurance contracts; standard policy provisions; permissible variations. (a) The printed form of a policy of fire insurance, as set forth in subsection (e) hereof, shall be known and designated as the "standard fire insurance policy of the state of New York." (b) (1…
N.Y. Insurance Law § 3405 Fire insurance contract; losses from nuclear reaction or radiation
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§ 3405. Fire insurance contract; losses from nuclear reaction or radiation. (a) Insurers issuing the standard fire insurance policy pursuant to section three thousand four hundred four of this article are authorized to affix or include in the policy a written statement that such…
N.Y. Insurance Law § 3406 Copy of examination of insured to be delivered to insured
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§ 3406. Copy of examination of insured to be delivered to insured. (a) If any policy or contract of insurance against loss or damage to property located in this state contains any provision requiring the insured to permit any examination by the insurer of the insured, or of a me…
N.Y. Insurance Law § 3407 Property insurance; proofs of loss; notice of loss
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§ 3407. Property insurance; proofs of loss; notice of loss. (a) The failure of any person insured against loss or damage to property under any contract of insurance, issued or delivered in this state or covering property located in this state, to furnish proofs of loss to the in…
N.Y. Insurance Law § 3407-A Property/casualty insurance contract and policy standard provisions
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§ 3407-a. Property/casualty insurance contract and policy standard provisions. No property/casualty insurance policy or contract shall be issued or issued for delivery on a risk located or resident in this state insuring against damage to the insured's real property unless it co…
N.Y. Insurance Law § 3408 Fire insurance; appraisal of loss; procedure for selection of umpire on failure to agree
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§ 3408. Fire insurance; appraisal of loss; procedure for selection of umpire on failure to agree. (a) Whenever application shall be made for the selection of an umpire pursuant to the provisions relating to appraisals contained in the standard fire insurance policy of the state …
N.Y. Insurance Law § 3409 Distribution of hazardous material report forms
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§ 3409. Distribution of hazardous material report forms. The superintendent shall require every insurance company issuing a policy of fire insurance against a risk located in this state to annually issue to each of its fire insurance policyholders engaged in commerce in this sta…
N.Y. Insurance Law § 341 Notification regarding qualified health insurance plans
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§ 341. Notification regarding qualified health insurance plans. Within fifteen days of the effective date of this section, the superintendent shall notify the centers for Medicare and Medicaid services that New York state elects to have policies issued pursuant to sections four …
N.Y. Insurance Law § 3410 Fire insurance contract; payment of liens on proceeds; certain cases
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§ 3410. Fire insurance contract; payment of liens on proceeds; certain cases. (a) Every fire insurance policy insuring the interest of an owner pursuant to this article shall include a statement that, prior to the payment of any proceeds thereunder otherwise payable to the insur…
N.Y. Insurance Law § 3411 Automobile physical damage insurance covering private passenger automobiles; standard provisions; required inspections; duties of insurer...
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§ 3411. * Automobile physical damage insurance covering private passenger automobiles; standard provisions; required inspections; duties of insurers and insureds. * NB Effective until May 15, 2024 * Automobile physical damage insurance covering private passenger automobiles; sta…
N.Y. Insurance Law § 3412 Automobile physical damage insurance covering private passenger automobiles; salvage; total losses; thefts; duties of insurers
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§ 3412. Automobile physical damage insurance covering private passenger automobiles; salvage; total losses; thefts; duties of insurers. (a) Notwithstanding any other provision of this chapter, the provisions of this section shall be applicable to all physical damage losses incur…
N.Y. Insurance Law § 3413 Standard claim forms for fire losses
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§ 3413. Standard claim forms for fire losses. (a) (1) On or before April first, nineteen hundred eighty-two, the superintendent shall establish a standard claim form to be used for all fire loss claims under an insurance policy which is issued or issued for delivery in this stat…
N.Y. Insurance Law § 3414 Reports by insurers of certain casualty loss on property owned or operated by religious organizations
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§ 3414. Reports by insurers of certain casualty loss on property owned or operated by religious organizations. (a) Insurers shall report all claims in excess of two hundred fifty dollars filed for casualty losses resulting from desecration, vandalism and theft of religious artic…
N.Y. Insurance Law § 3415 Supplemental claim form to be submitted for certain fire loss claims in excess of ten thousand dollars in a city with a population of one...
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§ 3415. Supplemental claim form to be submitted for certain fire loss claims in excess of ten thousand dollars in a city with a population of one million or more persons. (a) For the purposes of this section, the following terms shall have the following meanings: (1) "Supplement…
N.Y. Insurance Law § 3416 Parametric insurance
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§ 3416. Parametric insurance. (a) Except as provided in subsection (b) of this section, an insurer that issues a parametric insurance policy shall disclose the following information in the application for the insurance policy and in a prominent writing upon policy issuance and r…
N.Y. Insurance Law § 342 Public awareness to finance long term care
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§ 342. Public awareness to finance long term care. The department, department of health, office for the aging and department of taxation and finance may jointly establish and conduct a public awareness program on the availability and coverage provided by life insurance and healt…
N.Y. Insurance Law § 3420 Liability insurance; standard provisions; right of injured person
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§ 3420. Liability insurance; standard provisions; right of injured\nperson. (a) No policy or contract insuring against liability for injury\nto person, except as provided in subsection (g) of this section, or\nagainst liability for injury to, or destruction of, property shall be…
N.Y. Insurance Law § 3421 Homeowners' liability insurance; dogs
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§ 3421. Homeowners' liability insurance; dogs. 1. With respect to homeowners' insurance policies as defined in section two thousand three hundred fifty-one of this chapter, no insurer shall refuse to issue or renew, cancel, or charge or impose an increased premium or rate for su…
N.Y. Insurance Law § 3422 Hate crimes; coverage refusal
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§ 3422. Hate crimes; coverage refusal. (a) For purposes of this section, "insured" means a current policyholder or a person or entity that is covered under an insurance policy. (b) This section shall apply to policies of insurance if the insured or proposed insured is: (1) an in…
N.Y. Insurance Law § 3425 Certain property/casualty insurance policies; cancellation and renewal provisions; agents' contracts and brokers' accounts
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§ 3425. Certain property/casualty insurance policies; cancellation and\nrenewal provisions; agents' contracts and brokers' accounts. (a) This\nsection shall apply to covered policies of insurance as defined in\nparagraphs one, two and three hereof.\n (1) "Covered policy" means a…
N.Y. Insurance Law § 3426 Commercial lines insurance; cancellation and renewal provisions
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§ 3426. Commercial lines insurance; cancellation and renewal provisions. (a) Definitions. As used in this section: (1) "Covered policy" means, for purposes of this section, a policy of commercial risk insurance, professional liability insurance or public entity insurance, and sh…
N.Y. Insurance Law § 3427 Gap insurance; cancellation, renewal and other provisions
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§ 3427. Gap insurance; cancellation, renewal and other provisions. (a) Definitions. As used in this section: (1) "Covered policy" means, for purposes of this section, a policy or contract of gap insurance, issued or issued for delivery in this state, on a risk located or residen…
N.Y. Insurance Law § 3428 Cancellation of insurance contracts; return premiums; financed insurance premiums
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§ 3428. Cancellation of insurance contracts; return premiums; financed\ninsurance premiums. (a) Except as provided in subsection (e) of this\nsection, whenever an insurance contract made or issued in this state is\ncancelled or otherwise terminated by the insured before the expi…