Title 27, Title 27 Title 27

There shall be no liability on the part of and no cause of action of any nature shall arise against any member insurer or its agents or employees, the association or its agents or employees, members of the board of directors, or the commissioner or the commissioner’s representati…

All proceedings in which the insolvent insurer is a party in any court in this state shall be stayed one hundred eighty (180) days from the date an order of liquidation, rehabilitation, or conservation is final to permit proper legal action by the association on any matters germa…

(a) No person, including an insurer, agent, producer, or affiliate of an insurer, shall make, publish, disseminate, circulate, or place before the public, or cause directly or indirectly, to be made, published, disseminated, circulated, or placed before the public, in any newspap…

(a) The purpose of this chapter is to protect, subject to certain limitations, the persons specified in § 27-34.3-3(a) against failure in the performance of contractual obligations, under life and health insurance policies and annuity contracts specified in § 27-34.3-3(b), becaus…

This chapter shall not apply to any insurer that is insolvent or unable to fulfill its contractual obligations prior to January 1, 1996, and any such insurer shall be subject to the provisions under chapter 34.1 [repealed] of this title. Nothing in this chapter shall be construed…

(a) This chapter shall provide coverage for the policies and contracts specified in subsection (b) of this section: (1) To persons who, regardless of where they reside (except for nonresident certificate holders under group policies or contracts), are the beneficiaries, assignees…

This chapter shall be construed to effect the purpose under § 27-34.3-2.

As used in this chapter: (1) “Account” means either of the two accounts created under § 27-34.3-6. (2) “Association” means the Rhode Island life and health insurance guaranty association created under § 27-34.3-6. (3) “Authorized assessment” or the term “authorized” when used in …

(a) There is created a nonprofit legal entity to be known as the Rhode Island life and health insurance guaranty association. All member insurers shall be and remain members of the association as a condition of their authority to transact insurance in this state. The association …

(a) The board of directors of the association shall consist of: (1) Not less than five (5) nor more than nine (9) member insurers serving terms as established in the plan of operation; and (2) The commissioner or the commissioner’s designee. Only member insurers shall be eligible…

(a) If a member insurer is an impaired insurer, the association may, in its discretion, and subject to any conditions imposed by the association that do not impair the contractual obligations of the impaired insurer, and that are approved by the commissioner: (1) Guarantee, assum…

(a) For the purpose of providing the funds necessary to carry out the powers and duties of the association, the board of directors shall assess the member insurers, separately for each account, at such time and for such amounts as the board finds necessary. Assessments shall be d…

For the purposes of this chapter, the following words and terms have the following meanings: (1) “Health insurers” as used in this chapter includes all persons, firms, corporations, or other organizations offering and assuring health services on a prepaid or primarily expense inc…

(a) Every health insurance plan providing coverage for a dependent or minor child, other than school policies, shall include benefits for pediatric preventive care. All benefits shall be reimbursed in accordance with the reimbursement policies and procedure of each health insurer…

The benefits mandated by this chapter shall be included in all benefit plans offered by every health insurer and health maintenance organization. Benefit plans offered by health insurers and health maintenance organizations may impose copayment charges for the benefits mandated b…

(a) A group health plan and an individual or group health insurance plan shall provide coverage for the treatment of mental health and substance use disorders under the same terms and conditions as that coverage is provided for other illnesses and diseases. (b) Coverage for the t…

For the purposes of this chapter, the following words and terms have the following meanings: (1) “Financial requirements” means deductibles, copayments, coinsurance, or out-of-pocket maximums. (2) “Group health plan” means an employee welfare benefit plan as defined in 29 U.S.C. …

(a) Upon request of the reimbursing health insurers, all providers of treatment of mental illness shall furnish medical records or other necessary data that substantiates that initial or continued treatment is at all times medically necessary and appropriate. When the provider ca…

The healthcare benefits outlined in this chapter apply only to services delivered within the health insurer’s provider network; provided, that all health insurers shall be required to provide coverage for those benefits mandated by this chapter outside of the health insurer’s pro…

(a) The general assembly hereby finds that: (1) Infant and early childhood mental health is defined by Zero to Three as “the developing capacity of the child from birth to five (5) years of age to: form close and secure adult and peer relationships, experience, manage and express…

As used in this chapter, the term: (1) “Agent” means a person who is the agent of record of a policy or who has a business relationship with the policyholder or insured. (2) “Commissioner” means the director of the department of business regulation and any assistant to the direct…

(a) The commissioner shall develop, and post on its website, a written notice to inform a policyholder of alternatives to the lapse or surrender of a policy, and of the policyholder’s rights, as an owner of the policy, that are related to the disposition of a policy. The notice m…

This chapter provides for the regulation of the transfer and novation of contracts of insurance by way of assumption reinsurance. It defines assumption reinsurance and establishes notice and disclosure requirements that protect and define the rights and obligations of policyholde…

(a) This chapter applies to any insurer authorized in this state that either assumes or transfers the obligations or risks, or both, on contracts of insurance pursuant to an assumption reinsurance agreement. (b) This chapter does not apply to: (1) Any reinsurance agreement or tra…

(a) “Assuming insurer” means the insurer that acquires an insurance obligation or risk, or both, from the transferring insurer pursuant to an assumption reinsurance agreement. (b) “Assumption reinsurance agreement” means any contract that both: (1) Transfers insurance obligations…

(a) Notice to policyholders, agents, and brokers. (1) The transferring insurer shall provide, or cause to be provided, to each policyholder a notice of transfer by first-class mail, addressed to the policyholder’s last known address or to the address to which premium notices or o…

(a) Policyholders shall have the right to reject the transfer and novation of their contracts of insurance. Policyholders electing to reject the assumption transaction shall return to the transferring insurer the pre-addressed, postage-paid response card or other written notice a…

If a policyholder consents to the transfer pursuant to § 27-53.1-5, or if the transfer is effected under § 27-53.1-7, there shall be a novation of the contract of insurance subject to the assumption reinsurance agreement with the result that the transferring insurer shall be reli…

If an insurer domiciled in this state or in a jurisdiction having a substantially similar law is deemed by the domiciliary commissioner to be in hazardous financial condition or an administrative proceeding has been instituted against it for the purpose of reorganizing or conserv…

NOTICE OF TRANSFER IMPORTANT: THIS NOTICE AFFECTS YOUR CONTRACT RIGHTS. PLEASE READ IT CAREFULLY. Transfer of Policy. The [ABC Insurance Company] has agreed to replace us as your insurer under [insert policy/certificate name and number] effective [insert date]. The [ABC Insurance…

As used in this chapter: (1) “Business of insurance” means the writing of insurance or the reinsuring of risks by an insurer, including acts necessary or incidental to writing insurance or reinsuring risks and the activities of persons who act as or are officers, directors, agent…

(a) A person shall not commit a fraudulent insurance act. (b) A person shall not knowingly or intentionally interfere with the enforcement of the provisions of this chapter or investigations of suspected or actual violations of this chapter. (c)(1) A person convicted of a felony …

(a) Notwithstanding any similar requirements in title 28, every claim form and application for insurance, regardless of the form of transmission, shall contain the following statement or a substantially similar statement: “Any person who knowingly presents a false or fraudulent c…

This chapter shall not: (1) Preempt the authority or relieve the duty of other law enforcement or regulatory agencies to investigate, examine and prosecute suspected violations of law; (2) Prevent or prohibit a person from disclosing voluntarily information concerning insurance f…

(a) Insurers shall have antifraud initiatives reasonably calculated to detect, report, prosecute, and prevent fraudulent insurance acts. Antifraud initiatives may include: (1) Fraud investigators, who may be insurer employees or independent contractors; or (2) An antifraud plan. …

A person who violates this chapter is subject to suspension or revocation of license or certificate of authority or administrative penalties per § 42-14-16 or both. Suspension or revocation of license or certificate of authority and imposition of administrative penalties shall be…

(a) Every domestic insurer or insurance company authorized to issue policies of liability insurance pursuant to this title, and also any workers’ compensation insurer, within thirty (30) days prior to the making of any payment equal to or in excess of five hundred dollars ($500) …

In any case where the executive office of health and human services has intercepted an insurance payment, that office shall notify the recipient.

Nothing in this chapter affects the validity or priority of liens or written notices of healthcare providers, attorney fees, holders of security interests, or the assignment of rights under § 40-6-9 or § 40-6-10. Funds subject to liens, written notices, or security interests shal…

(a) The executive office of health and human services shall periodically within each year furnish the insurance companies and insurers subject to this section with a list or compilation of claimants, who have received medical assistance as a result of the accident or loss that is…

This chapter shall be known and may be cited as the “Unfair Discrimination Against Subjects of Abuse in Property and Casualty Insurance Act.”

The purpose of this chapter is to prohibit unfair discrimination by property and casualty insurers and insurance professionals on the basis of abuse status. Nothing in this chapter shall be construed to create or imply a private cause of action for a violation of this chapter.

This chapter applies to all property and casualty insurers and insurance professionals involved in issuing or renewing, in this state, a policy of property and casualty insurance.

For the purposes of this chapter: (1) “Abuse” means the occurrence of one or more of the following acts by a current or former family member, household member, intimate partner, or caretaker: (i) Attempting to cause or intentionally, knowingly, or recklessly causing another perso…

(a) It is unfairly discriminatory to deny, refuse to issue, renew or reissue; to cancel or otherwise terminate; restrict or exclude coverage on; or to add a premium differential to a property and casualty insurance policy on the basis of the applicant’s or insured’s abuse status.…

An insurer or insurance professional who or that takes an action not prohibited by § 27-60.1-5 that adversely affects an applicant or insured on the basis of claim or other underwriting information that the insurer or insurance professional knows or has reason to know is abuse-re…