Title 27, Title 27 Title 27

(a) Documents, materials, or other information, including the ORSA summary report, in the possession of or control of the department of business regulation that are obtained by, created by, or disclosed to the commissioner or any other person under this chapter, are recognized by…

Any insurer failing, without just cause, to timely file the ORSA summary report as required in this chapter shall be required, after notice and hearing, to pay a penalty of one thousand dollars ($1,000) for each day’s delay, to be recovered by the commissioner and the penalty so …

This chapter shall be known and may be cited as the “Certificates of Insurance Model Act.”

For purposes of this chapter: (1) “Certificate of insurance” means a document or instrument, regardless of how titled or described, that is prepared or issued by an insurer or insurance producer as evidence of property or casualty insurance coverage. The term does not include a p…

(a) The commissioner of insurance shall prohibit the use of a certificate of insurance form if the form: (1) Is unfair, misleading, or deceptive, or violates public policy; or (2) Violates any law, including any regulation promulgated by the commissioner of insurance. (b) A certi…

(a) A person may not: (1) Alter or modify a certificate of insurance after issuance by a producer or insurer; (2) Prepare, issue, or request or require the issuance of a certificate of insurance that contains any false or misleading information concerning the policy of insurance …

A person is entitled to notice of cancellation, nonrenewal, or any material change, and to any similar notice concerning a policy of insurance only if the person has such notice rights under the terms of the policy of insurance or any endorsement to the policy. The terms and cond…

(a) The provisions of this chapter shall apply to all certificates of insurance issued in connection with property, operations, or risks located in this state, regardless of where the policyholder, insurer, insurance producer, or person requesting or requiring the issuance of a c…

(a) The commissioner of insurance shall have the power to examine and investigate the activities of any person that the commissioner reasonably believes has been or is engaged in an act or practice prohibited by this chapter. (b) The commissioner of insurance shall have the power…

This chapter shall be known and may be cited as the “Unclaimed Life Insurance Benefits Act.”

By enacting this chapter, it is the intent of the general assembly to require the complete and proper disclosure, transparency, and accountability relating to any method of payment for life insurance death benefits regulated by the state.

As used in this chapter: (1) “Contract” means an annuity contract. The term “contract” shall not include an annuity used to fund an employment-based retirement plan or program where the insurer is not committed by terms of the annuity contract to pay death benefits to the benefic…

(a)(1) An insurer shall perform a comparison of its insureds’ in-force life insurance policies and retained asset accounts issued for delivery in this state against a death master file, on at least a semi-annual basis, to identify potential matches of its insureds. After the init…

A violation of this chapter shall subject the insurer to penalties as determined appropriate in accordance with § 42-14-16 (“Insurance Administrative Penalties”).

This chapter shall be known as the “Arson Information Reporting — Immunity Act.”

(a) “Action” includes nonaction, inaction, or failure to take action. (b) “Authorized agency” means: (1) The state fire marshal, deputy fire marshal, or assistant deputy fire marshals; (2) The superintendent of state police, or principal investigating officer of the state police;…

(a) Whenever a motor vehicle as defined in § 31-1-3 is burned, the owner of record of the vehicle shall submit to the fire department for the city or town in which the vehicle is located a statement signed under the penalties of perjury containing any information concerning the b…

(a) Whenever any authorized agency empowered to investigate the cause of, or circumstances attendant upon, a fire loss involving real or personal property within this state, and/or empowered to institute prosecution for criminal acts, actions, or missions causing, or related to, …

(a) Any authorized agency, insurer, lending institution, or party in interest, or any person acting on behalf of or in conjunction with any of these, which or who has secured any information furnished or received pursuant to this chapter, shall retain that information in its stri…

(a) No insurer, lending institution, party in interest, or authorized agency, or any person acting in behalf of, or in conjunction with, any of these, shall: (1) Intentionally or knowingly refuse to release any information requested and/or ordered pursuant to § 27-8.1-3(a), (b), …

With the exception of § 27-8.1-2(a), no provision of this chapter shall be construed to impair any existing statutory or common law rights or powers.

This act shall be known as, and may be cited as, the “Telemedicine Coverage Act.”

The general assembly hereby finds and declares that: (1) The advancements and continued development of medical and communications technology have had a profound impact on the practice of medicine and offer opportunities for improving the delivery, cost, and accessibility of healt…

As used in this chapter: (1) “Clinically appropriate” means care that is delivered in the appropriate medical setting. (2) “Distant site” means a site at which a healthcare provider is located while providing healthcare services by means of telemedicine. (3) “Healthcare facility”…

(a) Each health insurer that issues individual or group accident and sickness insurance policies for healthcare services and/or provides a healthcare plan for healthcare services shall provide coverage for the cost of such covered healthcare services provided through telemedicine…

If any provision of this chapter or of any rule or regulation made under this chapter, or its application to any person or circumstance is held invalid by a court of competent jurisdiction, the remainder of the chapter, rule, or regulation and the application of the provision to …

The health insurance commissioner may promulgate such rules and regulations as are necessary and proper to effectuate the purpose and for the efficient administration and enforcement of this chapter.

Each health insurer shall collect and provide to the office of the health insurance commissioner (OHIC), in a form and frequency acceptable to OHIC, information and data reflecting its telemedicine policies, practices, and experience. OHIC shall provide this information and data …

This chapter shall be known as the “Stop-Loss Insurance Act.” The purpose of this chapter is to establish criteria for the issuance of stop-loss insurance policies. Nothing in this chapter shall be construed as imposing any requirement or duty on any person other than an insurer,…

(a) “Actuarial certification” means a written statement by a member of the American Academy of Actuaries, or other individual acceptable to the commissioner, that an insurer is in compliance with the provisions of this chapter. The written statement shall be based upon the indivi…

(a) An insurer shall not issue a stop-loss insurance policy that: (1) Has an annual attachment point for claims incurred per individual that is lower than twenty thousand dollars ($20,000); (2) Has an annual aggregate attachment point that is lower than one hundred twenty percent…

An insurer shall file with the commissioner annually on or before March 15, an actuarial certification certifying that the insurer is in compliance with this chapter. The certification shall be in a form and manner, and shall contain information, specified by the commissioner. A …

This chapter shall become effective with respect to stop-loss insurance policies issued or renewed on or after January 1, 2014.

This chapter shall be known and may be cited as the “Dental Insurance Loss Ratio Reporting and Study Act.”

As used in this chapter, the following terms shall mean: (1) “Commissioner” or “health insurance commissioner” shall have the meaning set forth in § 27-18-1.1. (2) “Dental health insurance carrier” means a health insurance carrier, as defined in § 27-18-1.1, to the extent that it…

Notwithstanding any provision of the general laws to the contrary, dental health insurance carriers shall, on or before March 1, 2025, for reporting years 2023 and 2024, and on or before March 1, 2026, for reporting year 2025 (the “transition period”), file with the commissioner,…

The reporting required by this chapter shall not apply to dental insurance plans issued, delivered, or renewed to a self-insured group or where the carrier is acting as a third-party administrator.

The commissioner shall, by January 1, 2025, promulgate rules and regulations as are necessary to carry out and effectuate the provisions of this chapter.

(a) On or before October 1, 2026, the commissioner shall provide the general assembly with an analysis of the reporting information furnished pursuant to § 27-82-3, and recommendations with respect to a minimum dental loss ratio. The report shall also include recommendations with…

(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 in this state. (b) The requirements of this chapter shall apply to pet insurance policies that are issued to any resident of this st…

(a) If a pet insurer uses any of the terms in this chapter in a policy of pet insurance, the pet insurer shall use the definition of each of those terms as set forth herein and include the definition of the term(s) in the policy. The pet insurer shall also make the definition ava…

(a) A pet insurer transacting pet insurance shall disclose the following to consumers: (1) If the policy excludes coverage due to any of the following: (i) A preexisting condition; (ii) A hereditary disorder; (iii) A congenital anomaly or disorder; or (iv) A chronic condition; (2…

(a) A pet insurer may issue policies that exclude coverage on the basis of one or more preexisting conditions with appropriate disclosure to the consumer. The pet insurer has the burden of proving that the preexisting condition exclusion applies to the condition for which a claim…

(a) A pet insurer and/or producer shall not do the following: (1) Market a wellness program as pet insurance; or (2) Market a wellness program during the sale, solicitation, or negotiation of pet insurance. (b) If a wellness program is sold by a pet insurer and/or producer: (1) T…

(a) An insurance producer shall not sell, solicit, or negotiate a pet insurance product until after the producer is appropriately licensed and has completed the required training identified in subsection (c) of this section. (b) Insurers shall ensure that its producers are traine…

Violations of this chapter shall be subject to penalties pursuant to § 42-14-16.