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Ohio Statutes, Title 39

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Ohio/Statutes

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Title 39, Insurance

44 chapters · 1,388 sections in this title.

All chapters in Title 391,388 Ch 3901, Superintendent Of Insurance151 Ch 3905, Insurance Producers Licensing Act123 Ch 3923, Sickness And Accident Insurance109 Ch 3903, Reserve Valuation; Rehabilitation An…92 Ch 3929, Domestic And Foreign Insurance Compa…77 Ch 3941, Operation Of Mutual Insurance Companies51 Ch 3937, Casualty Insurance; Motor Vehicle In…50 Ch 3921, Fraternal Benefit Societies43 Ch 3919, Mutual Protective Insurance Upon Persons40 Ch 3925, Domestic Insurance Companies Other T…36 Ch 3953, Title Insurance36 Ch 3924, Small Employer Health Benefit Plans;…33 Ch 3964, Captive Insurance Companies33 Ch 3902, Insurance Policies And Contracts32

1,388 sections·Filtered byTitle 39✕

Ohio Rev. Code Ann. § 3965.07 Exemptions
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(A) A licensee is exempt from the requirements of section 3965.02 of the Revised Code if it meets any of the following criteria: (1) The licensee has fewer than twenty employees. (2) The licensee has less than five million dollars in gross annual revenue. (3) The licensee has les…
Ohio Rev. Code Ann. § 3965.08 Affirmative defense
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(A) A licensee that satisfies the provisions of this chapter shall be entitled to an affirmative defense to any cause of action sounding in tort that is brought under the laws of this state or in the courts of this state and that alleges that the failure to implement reasonable i…
Ohio Rev. Code Ann. § 3965.09 Applicability and scope of chapter
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Notwithstanding any other provision of law, the provisions of this chapter and any rules adopted pursuant to this chapter constitute the exclusive state standards and requirements applicable to licensees regarding cybersecurity events, the security of nonpublic information, data …
Ohio Rev. Code Ann. § 3965.10 Adoption of rules
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The superintendent of insurance, pursuant to Chapter 119. of the Revised Code, may adopt rules as necessary to carry out the provisions of this chapter.

Ohio Rev. Code Ann. § 3965.11 Administration

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The superintendent of insurance shall consider the nature, scale, and complexity of licensees in administering this chapter and adopting rules pursuant to this chapter.

Ohio Rev. Code Ann. § 3970.01 Definitions

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As used in this chapter: (A) "Chronic condition" means a condition that can be treated or managed, but not cured. (B) "Congenital anomaly or disorder" means a condition that is present from birth, whether inherited or caused by the environment, which may cause or contribute to il…

Ohio Rev. Code Ann. § 3970.02 Scope and purpose

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(A) The purpose of this chapter is to promote the public welfare by creating a comprehensive legal framework within which pet insurance may be sold, issued, and delivered in this state. (B) The requirements of this chapter apply to pet insurance policies that are: (1) Issued to a…

Ohio Rev. Code Ann. § 3970.03 Limitations and exclusions

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(A) If a pet insurance policy includes any of the terms defined in section 3970.01 of the Revised Code, those terms shall have the same meaning prescribed by that section, and the policy shall restate the definition of each such term. The pet insurer shall also make the definitio…

Ohio Rev. Code Ann. § 3970.04 Disclosures

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(A) A pet insurance policy shall include all of the following: (1) Disclosure of whether the pet insurance policy excludes coverage due to any of the following: (a) A preexisting condition; (b) A hereditary disorder; (c) A congenital anomaly or disorder; (d) A chronic condition. …

Ohio Rev. Code Ann. § 3970.05 Policy conditions

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(A) A pet insurance policy may exclude coverage on the basis of one or more preexisting conditions so long as the pet insurer discloses the exclusion as required by section 3970.04 of the Revised Code. The pet insurer has the burden of proving that the preexisting condition exclu…

Ohio Rev. Code Ann. § 3970.06 Wellness programs

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(A) No pet insurer shall condition eligibility to purchase pet insurance on participation, or lack of participation, in a separate wellness program. (B) No pet insurer or agent shall market a wellness program as pet insurance. (C) If a wellness program is sold by a pet insurer, a…

Ohio Rev. Code Ann. § 3970.07 Pet insurer training

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(A) No pet insurer shall sell, solicit, or negotiate a pet insurance product until after the agent is appropriately licensed and has completed the required training identified in division (C) of this section. (B) A pet insurer shall ensure that the pet insurer's agents are traine…

Ohio Rev. Code Ann. § 3970.08 Rules

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The superintendent of insurance may adopt rules in accordance with Chapter 119. of the Revised Code for the purposes of administering and enforcing this chapter, which may include penalties for violations of this chapter.

Ohio Rev. Code Ann. § 3999.02 False statement by medical examiner of insurance company

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No medical examiner for a life insurance company or for an applicant for insurance therein shall knowingly make a false statement or report to such company or to an officer thereof concerning the health or physical condition of an applicant for insurance, or other matter or thing…

Ohio Rev. Code Ann. § 3999.03 Life insurance - official or agent issuing fraudulent policies

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No trustee, officer, agent, or employee of a corporation, company, or association organized to transact the business of life or accident or life and accident insurance on the assessment plan shall knowingly insure a person, or permit him to be insured without that person's knowle…

Ohio Rev. Code Ann. § 3999.04 Changing life insurance policy

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No life insurance company doing business in this state, or an agent thereof, shall make a contract of insurance, or an agreement as to such contract, other than is plainly expressed in the policy issued thereon.

Ohio Rev. Code Ann. § 3999.05 Rebates and other inducements from life insurance companies

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No life insurance company doing business in this state, or an officer, agent, solicitor, or representative thereof, shall pay, allow, or give, or offer to pay, allow, or give, directly or indirectly, as an inducement to insurance, a rebate of the premium payable on a policy, or a…

Ohio Rev. Code Ann. § 3999.07 Sale or assignment of premium note before delivery of policy

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No person, having accepted a premium note in payment of the purchase price of a policy of insurance, shall sell or assign such note prior to the delivery and acceptance of such policy.

Ohio Rev. Code Ann. § 3999.08 Misrepresentations in soliciting insurance

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No person for himself or as an officer, director, agent, solicitor, or representative of any insurance company, except fire insurance companies or associations or fraternal benefit societies, doing business in this state, shall issue, circulate, or cause or permit to be issued or…

Ohio Rev. Code Ann. § 3999.09 False or malicious statements about insurance company

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No company doing business in this state, or any officer, director, clerk, employee, or agent thereof, shall make, orally or otherwise, publish, print, distribute, or circulate, or cause the same to be done, or aid, abet, or encourage the making, printing, publishing, distributing…

Ohio Rev. Code Ann. § 3999.10 Misrepresentations in advertisement by insurance company

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No insurance company, corporation, or association authorized to transact business in this state, or an agent thereof, by advertisement in a newspaper, magazine, or periodical or by a sign, circular, card, policy of insurance, certificate, or renewal thereof, or otherwise, shall s…

Ohio Rev. Code Ann. § 3999.11 Advertisement at variance with verified statement

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No insurance company, corporation, or association authorized to transact business in this state shall purport to make known its financial standing by advertisement, public announcement, or by making or issuing a circular or card, which fails to correspond, in all the particulars …

Ohio Rev. Code Ann. § 3999.12 Disbursements by domestic life insurance companies

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No domestic life insurance company making a disbursement of one hundred dollars or more shall fail to have it evidenced by a voucher signed by or on behalf of the person, firm, or corporation receiving the money and correctly describing the consideration thereof; if such expendit…

Ohio Rev. Code Ann. § 3999.13 Unlawful reinsurance

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No officer, director, or stockholder of a company organized under the laws of this state to do the business of life, accident, or health insurance, either on the stock, mutual, stipulated premiums, assessment, or fraternal plan, shall violate or consent to a violation of any law …

Ohio Rev. Code Ann. § 3999.14 Foreign life insurance companies on the assessment plan

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No officer or agent of a corporation, company, or association organized under the laws of any other state of the United States to transact the business of life or accident insurance or life and accident insurance on the assessment plan, shall violate or fail to comply with any la…

Ohio Rev. Code Ann. § 3999.15 Violations by accident insurance companies and officers thereof

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No company organized under the laws of this state for the special purpose of insuring against accidental personal injury and loss of life sustained while traveling by railroad, steamboat, or other mode of conveyance, against accidental personal injury and loss of life sustained b…

Ohio Rev. Code Ann. § 3999.16 Person with a disability - unfair discrimination

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No officer, director, trustee, agent, or employee of any insurance company, corporation, or association authorized to transact business in this state shall knowingly use underwriting standards or rates that result in unfair discrimination against any person with a disability. Thi…

Ohio Rev. Code Ann. § 3999.18 Requiring valid certificate of authority

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(A) No person shall establish, operate, or maintain any entity that delivers, issues for delivery, or renews any policy of sickness and accident insurance or contract for health care services in this state if the entity is required to, but does not, have a valid certificate of au…

Ohio Rev. Code Ann. § 3999.21 Applications and claim form to contain warning against insurance fraud

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(A) As used in this section: (1) "Deceptive," "insurer," "policy," and "statement" have the same meanings as in section 2913.47 of the Revised Code. (2) "Defraud" has the same meaning as in section 2913.01 of the Revised Code. (B) All applications for group or individual insuranc…

Ohio Rev. Code Ann. § 3999.22 Health insurance referrals - prohibited activities - exceptions

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(A) As used in this section: (1) "Claim" means any attempt to cause a health care insurer to make payment of a health care benefit. (2) "Health care benefit" means the right under a contract or a certificate or policy of insurance to have a payment made by a health care insurer f…

Ohio Rev. Code Ann. § 3999.31 Immunity for providing or receiving information relating to suspected fraudulent insurance acts

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(A) As used in this section: (1) "Fraudulent insurance act" means an act committed by a person who, knowingly and with intent to defraud, presents, causes to be presented, or prepares with knowledge or belief that it will be presented to or by an insurer, purported insurer, broke…

Ohio Rev. Code Ann. § 3999.32 Notice of failure to make required premium payment or contribution

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(A) As used in this section: (1) "Certificate holder" means any person whose employment or retirement status is the basis of eligibility for coverage under a group policy of sickness and accident insurance or for enrollment under a group contract of a health insuring corporation.…

Ohio Rev. Code Ann. § 3999.36 Notice of impairment to be given by chief executive

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(A) As used in this section and sections 3999.37 and 3999.38 of the Revised Code: (1) "Insurer" means any person that is authorized to engage in the business of insurance in this state under Title XXXIX of the Revised Code, any health insuring corporation, or any other person eng…

Ohio Rev. Code Ann. § 3999.37 Prohibiting fraudulent acts concerning impairment or insolvency of insurer

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No person shall do any of the following: (A) Conceal any property belonging to an insurer; (B) Transfer or conceal his own property or property belonging to an insurer in contemplation of a proceeding under Chapter 3903. of the Revised Code; (C) Conceal, destroy, multilate, alter…

Ohio Rev. Code Ann. § 3999.38 Prohibiting payment of dividend when insurer is impaired

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No insurer shall knowingly declare or pay any dividend whenever the insurer is impaired. For purposes of this section, "insurer" also includes any person doing the business of insurance in this state.

Ohio Rev. Code Ann. § 3999.41 Insurer to adopt antifraud program

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(A) Except as provided in division (D) of this section, every insurer, as defined in division (A) of section 3999.36 of the Revised Code, shall adopt an antifraud program and shall specify in a written plan the procedures it will follow when instances of insurance fraud or suspec…

Ohio Rev. Code Ann. § 3999.42 Insurer to notify department of insurance fraud

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(A) If an insurer, as defined in division (A) of section 3999.36 of the Revised Code, has a reasonable belief that a person is perpetrating or facilitating an insurance fraud, as established by section 2913.47 of the Revised Code, or has done so, the insurer shall notify the depa…

Ohio Rev. Code Ann. § 3999.99 Penalty

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(A) Whoever violates section 3999.02 of the Revised Code is guilty of a misdemeanor of the second degree. (B) Whoever violates section 3999.03, 3999.07, 3999.13, 3999.14, or 3999.15 of the Revised Code is guilty of a misdemeanor of the first degree. (C) Whoever violates section 3…