Title 56, Insurance

Every society authorized to do business in this state is subject to chapter 8 of this title relating to unfair methods of competition and unfair or deceptive acts or practices. Nothing in those provisions shall be construed as applying to or affecting the right of any society to …

(a) Every society authorized to do business in this state shall appoint in writing the commissioner and each successor in the office of commissioner to be its true and lawful attorney upon whom all lawful process in any action or proceeding against it shall be served, and shall a…

All decisions and findings of the commissioner made under this chapter shall be subject to review by proper proceedings in any court of competent jurisdiction in this state.

(a) (1) It is an offense to intentionally make a false or fraudulent statement in or relating to any application for membership or for the purpose of obtaining money from or a benefit in a society.(2) A violation of subdivision (a)(1) is a Class A misdemeanor. (1) It is an offens…

(a) Nothing contained in this chapter shall be so construed as to affect or apply to:(1) Grand or subordinate lodges of Masons, Odd Fellows, or Knights of Pythias (exclusive of the insurance department of the Supreme Lodge, Knights of Pythias) and the Junior Order of the United A…

(1) As used in this part, unless the context otherwise requires, “accident and sickness insurance” includes any policy or contract covering insurance against loss resulting from sickness or from bodily injury or death by accident, or both. The various types of such policies are d…

(a) (1) No policy of accident and sickness insurance for individual or small employer coverage shall be delivered or issued for delivery in this state, nor shall any endorsement, rider, certificate or application nor any initial or new premium rates on any previously approved pol…

The commissioner may, at any time after a hearing of which not less than twenty (20) days' written notice has been given to the insurer, withdraw approval of any such form if it contains a provision for benefits that is misleading, deceptive or that would encourage misrepresentat…

The commissioner shall not disapprove or withdraw approval of any such policy on the ground that its provisions do not comply with §§ 56-26-108 — 56-26-114 or on the ground that it is not printed in uniform type, if it is shown that the rights of the insured or the beneficiary un…

Any order or decision of the commissioner under §§ 56-26-102 — 56-26-104 and this section shall be subject to review in the manner provided by title 27, chapter 9, pertaining to the statutory writ of certiorari.

(1) No policy of sickness and accident insurance shall be delivered or issued for delivery to any person in this state, unless:(1) The entire money and other considerations therefor are expressed in the policy;(2) The time at which the insurance takes effect and terminates is exp…

If any policy is issued by an insurer domiciled in this state for delivery to a person residing in another state, and if the official having responsibility for the administration of the insurance laws of such other state has advised the commissioner that any such policy is not su…

(a) Except as provided in § 56-26-110, each such policy delivered or issued for delivery to any person in this state shall contain the provisions specified in this section in the substance of the words in which the same appear in this section; provided, that the insurer may, at i…

(a) Except as provided in § 56-26-110, no such policy delivered or issued for delivery to any person in this state shall contain provisions respecting the matters set forth in subdivisions (b)-(l), unless the provisions are in the substance of the words in which the same appear i…

If any provision of §§ 56-26-108 — 56-26-114 is in whole or in part inapplicable to or inconsistent with the coverage provided by a particular form of policy, the insurer, with the approval of the commissioner, shall omit from the policy any inapplicable provision or part of a pr…

The provisions that are the subject of §§ 56-26-108 and 56-26-109, or any corresponding provisions that are used in lieu thereof in accordance with such sections, shall be printed in the consecutive order of the provisions in the sections or, at the option of the insurer, any suc…

“Insured,” as used in this chapter, shall not be construed as preventing a person other than the insured with a proper insurable interest from making application for, and owning a policy covering the insured, or from being entitled under such a policy to any indemnities, benefits…

(a) Any policy of a foreign or alien insurer, when delivered or issued for delivery to any person in this state, may contain any provision that is not less favorable to the insured or the beneficiary than this chapter and that is prescribed or required by the law of the state und…

The commissioner may make reasonable rules and regulations concerning the procedure for the filing or submission of policies subject to this chapter as are necessary, proper or advisable to the administration of this chapter. This section shall not abridge any other authority gra…

No policy provision that is not subject to §§ 56-26-108 — 56-26-114 shall make a policy or any portion thereof less favorable in any respect to the insured or the beneficiary than the provisions that are subject to this chapter.

(a) A policy delivered or issued for delivery to any person in this state in violation of this chapter shall be held valid but shall be construed as provided in this chapter. (b) When any provision in a policy subject to this chapter is in conflict with any provision of this chap…

The insured shall not be bound by any statement made in an application for a policy unless a copy of such application is attached to or endorsed on the policy when issued as part of the policy. If any such policy delivered or issued for delivery to any person in this state is rei…

No alteration of any written application for any such policy shall be made by any person other than the applicant without the applicant's written consent, except that insertions may be made by the insurer, for administrative purposes only, in such manner as to indicate clearly th…

The falsity of any statement in the application for any policy covered by this chapter may not bar the right to recovery thereunder unless the false statement materially affected either the acceptance of the risk or hazard assumed by the insurer and then not if the agent taking t…

The acknowledgment by any insurer of the receipt of notice given under any policy covered by this chapter, the furnishing of forms for filing proofs of loss, the acceptance of the proofs or the investigation of any claim thereunder, shall not operate as a waiver of any of the rig…

If any such policy contains a provision establishing, as an age limit or otherwise, a date after which the coverage provided by the policy will not be effective, and if the date falls within a period for which premium is accepted by the insurer or if the insurer accepts a premium…

(a) Except as provided in subsection (b), nothing in this chapter applies to, or shall affect:(1) Any policy of workers' compensation insurance or any policy of liability insurance with or without supplementary expense coverage in such policy;(2) Any policy or contract of reinsur…

(a) Any person, partnership or corporation willfully violating any provision of this chapter or order of the commissioner made in accordance with this chapter shall forfeit to this state a sum not to exceed one thousand dollars ($1,000) for each violation, which may be recovered …

No policy of sickness and accident insurance delivered or issued for delivery to any person in this state on or after January 1, 1975, including both individual policies and group policies, shall exclude covered benefits because the insured is a patient hospitalized in a tax supp…

No policy of accident, sickness or hospital insurance that is cancellable by the insurer shall be delivered or issued for delivery to any person in this state unless the policy shall show conspicuously on the face thereof the words “POLICY CANCELLABLE BY COMPANY,” or similar word…

No policy of accident, sickness or hospital insurance in which the insurer reserves the right to refuse renewal thereof shall be delivered or issued for delivery to any person in this state unless the policy shall show conspicuously on the face thereof the words, “RENEWABLE AT OP…

Sections 56-26-125 and 56-26-126 do not apply to such policies issued on a group or franchise basis.

Any person, firm, partnership or corporation willfully violating any provision of § 56-26-125 or § 56-26-126 shall be liable for the civil penalty provided in § 56-26-123.

Every individual accident and health policy or contract shall have printed thereon or attached thereto a notice stating in substance that the person to whom the policy or contract is issued shall be permitted to return it within ten (10) days of its delivery to the purchaser and …

The commissioner shall cause to be prepared a booklet, the subject of which shall be health insurance advice for senior citizens. The purpose of this booklet shall be to help senior citizens in deciding whether or not to purchase health insurance to supplement medicare coverage.

(a) This chapter shall not be interpreted or construed to deny coverage of any sole proprietor or partner under any individual or group accident and sickness policy such person may have in effect, in cases where the sole proprietor or partner has elected not to be covered by the …

No health care plan required to be established in this state through an exchange pursuant to federal health care reform legislation enacted by the 111th Congress shall offer coverage for prohibited abortion services as described in § 39-15-213.

Notwithstanding this title, excepted benefits as defined in § 56-7-2802 are exempt from a requirement to provide coverage for a specific person, provider, treatment, service, condition, or disease unless coverage of excepted benefits is expressly required by law.

(1) As used in this part:(1) “Employees” includes the officers, managers and employees of the employer, the individual proprietor or partner if the employer is an individual proprietor or partnership, the officers, managers and employees of subsidiary or affiliated corporations, …

(a) Except as otherwise required by § 56-26-102, no policy of group accident and sickness insurance shall be delivered or issued for delivery in this state, unless the policy form and rates have been filed with and approved by the commissioner; provided, that in the case of exper…

When a husband and wife are both employed by the same employer, and both have enrolled themselves and their eligible family members under their employer's group accident and health insurance policy issued in this state after April 2, 1981, each spouse may claim on the person's ow…

(a) (1) Two (2) or more member employers of the same trade or professional organization with at least five hundred (500) covered lives may enter into an agreement to pool their liabilities under this chapter for the purpose of qualifying as self-insurers. The trade or professiona…

(1) As used in this part, unless the context otherwise requires:(1) “Administrator” means any person, company, corporation, partnership, association or legal entity collecting charges or premiums from, or adjusting or settling claims on, residents of this state in connection with…

(a) Insurers and administrators shall provide charge data by hospital and by diagnostic category when requested by major purchasers. (b) Charge data shall be provided under rules and regulations promulgated under § 56-26-305.

The requirements to furnish charge data pursuant to § 56-26-302 are subject to the cost data being reasonably available as determined by the commissioner.

Any person furnishing charge data pursuant to the requirements of this part shall be immune from any civil liability or damages claimed by any person by reason of actions in compliance with this part.