Title 56, Insurance

(1) Deferred individual annuity contracts, except variable annuity contracts as provided for in chapter 3, part 5 of this title, filed for approval after July 1, 1976, or issued after July 1, 1977, must provide upon surrender of the contract guaranteed values in the form of a cas…

(a) As used in this section:(1) “Car sharing delivery period” means the period of time during which a shared vehicle is being delivered to the location of the car sharing start time, if applicable, as documented by the governing car sharing program agreement;(2) “Car sharing peri…

(a) For purposes of this section:(1) “Cancel” means to terminate a homeowner's insurance policy prior to the expiration of the policy period;(2) “Claim”:(A) Means an oral, written, or electronic submission for payment filed by an insured, on behalf of the insured, or by a third p…

(a) For purposes of this section:(1) “Casualty insurance” has the same meaning as defined in § 56-2-201;(2) “Certificate of insurance”:(A) Means a document or instrument prepared or issued by an insurer or insurance producer as evidence of property or casualty insurance coverage;…

(a) All insurance companies issuing health care liability insurance policies to physicians licensed to practice medicine in this state shall issue policies covering physicians of all classifications of practice; provided, that this subsection (a) shall not be construed to require…

For purposes of this title, a healthcare sharing ministry, as defined in § 48-51-201, is not considered to be engaging in the business of insurance.

(a) No group medical benefit contract issued by an insurance company, a hospital service corporation, a hospital and medical service corporation, a medical service corporation, a health maintenance organization or a health care center, that provides coverage for prescription drug…

Any insurance company that increases its premiums shall give thirty (30) days' notice of any increase to a customer who has an account paid by bank draft or preauthorized check.

Any employer or educational institution may accept, and a duly licensed doctor of chiropractic may issue, an excuse for the absence of an employee or student. Nothing in this section shall be construed to require the insurer of the employee or student to pay for the service or in…

(a) Notwithstanding any law to the contrary, if a policy of insurance issued in this state provides for coverage of health care rendered by a healthcare provider covered under title 63, the insured or other persons entitled to benefits under the policy are entitled to assign thei…

(a) (1) Every automobile liability insurance policy delivered, issued for delivery or renewed in this state, covering liability arising out of the ownership, maintenance, or use of any motor vehicle designed for use primarily on public roads and registered or principally garaged …

(a) (1) For the purpose of uninsured motor vehicle coverage, “uninsured motor vehicle” means a motor vehicle whose ownership, maintenance, or use has resulted in the bodily injury, death, or damage to property of an insured, and for which the sum of the limits of liability availa…

An insurer's insolvency protection shall be applicable only to accidents occurring during a policy period in which its insured's uninsured motorist coverage is in effect where the liability insurer of the tortfeasor becomes insolvent within one (1) year after the accident. Nothin…

(a) In the event of payment to any person under the coverage required by this part, and subject to the terms and conditions of the coverage, the insurer making payment shall, to the extent of the coverage, be subrogated to all of the rights of the person to whom payment has been …

Nothing contained in this part shall be construed as requiring the forms of coverage provided pursuant to this part, whether alone or in combination with similar coverage afforded under other automobile liability policies, to afford limits in excess of those that would be afforde…

(a) Any insured intending to rely on the coverage required by this part shall, if any action is instituted against the owner and operator of an uninsured motor vehicle, serve a copy of the process upon the insurance company issuing the policy in the manner prescribed by law, as t…

Notwithstanding any other law to the contrary, an insurer may exclude coverage pursuant to a contractual agreement; provided, that the exclusion complies with this title.

A provider shall not be prohibited by a health plan, by contract or otherwise, from disclosing to a patient the existence of financial arrangements with the health plan that reward the provider for reducing or limiting the range and amount of medically necessary and appropriate s…

(a) Every insurance policy, issued to or for the benefit of any citizen or resident of this state, shall be written in the English language. (b) Nothing in this part shall prohibit an insurer from advertising or providing information or translations to consumers in a language oth…

(a) (1) It is unlawful for an insurer or carrier that provides accident or health insurance, a nonprofit hospital or medical service corporation, a health, hospital or medical service corporation, a health maintenance organization, including any that participates in TennCare or a…

(a) At any time a policyholder files a property claim under a personal lines fire or homeowners insurance policy for structural damage with an estimated value at or above twenty thousand dollars ($20,000), the insurer shall provide the policyholder with a written statement settin…

(a) A pharmacy benefits manager shall notify a pharmacist who furnishes goods or services under any policy or contract for health insurance coverage provided under the TennCare program of the failure of any health insurer to provide timely payments for nondisputed claims pursuant…

(a) It is the intent of the general assembly that the availability and affordability of basic major medical insurance coverage for a catastrophic illness requiring inpatient hospital care is essential for many Tennesseans who are uninsured. (b) To that extent, insurance providers…

(a) As used in this section, “health insurance entity” has the same meaning as defined in § 56-7-109. (b) To facilitate patient and provider access to health information, a health insurance entity shall establish and maintain the following application programming interfaces (API)…

Any company holding a certificate of authority pursuant to § 56-2-105 to provide property insurance as defined in § 56-2-201, may subrogate a claim for damage caused by a blasting operation as defined in § 68-105-102, to the person as defined in § 68-105-102 causing the blast.

(a) As used in this section, unless the context otherwise requires:(1) “ANSI” means the American National Standards Institute;(2) “Building stabilization or foundation repairs” means techniques performed at, to, or attached to the existing foundation of a building with the intent…

(a) As used in this part:(1) “Nonpayment of premium” means failure of the named insured to discharge when due any obligations in connection with the payment of premiums on a policy of automobile liability insurance or any installment of the premium, whether the premium is payable…

(a) Every private passenger automobile liability insurance policy shall be subject to this part. (b) Unless the policy has been in effect less than sixty (60) days at the time notice of cancellation is mailed, and it is not a renewal policy, the company shall not exercise its rig…

(a) (1) No notice of cancellation of a policy shall be effective unless mailed or delivered by the insurer, its authorized agent or employee, to the named insured as shown in the policy declarations at the address shown in the declarations, stating when not less than twenty (20) …

(a) Nothing in this part applies to nonrenewal, except that in the event the company does not intend to renew the contract, it shall mail or deliver to the named insured, at the address shown in the policy, not less than thirty (30) days' notice of its intention not to renew. Pro…

When a policy of automobile liability insurance is cancelled, other than for nonpayment of premium, or in the event of failure to renew a policy of automobile liability insurance, the insurer shall notify the named insured of the insured's possible eligibility for automobile liab…

(a) In any action in which a person has made any payments to or on behalf of any claimant prior to trial, the payments shall not be construed as an admission of liability by the person in any action brought to recover for personal injuries or for damage to property. (b) In the ev…

(a) As used in this section only, the following terms have the meaning as indicated:(1) “Original health insurer” means a health insurance entity as defined in § 56-7-109 that has verified eligibility for the date of service, or has communicated to a health care provider prior au…

A policy of group accident and health insurance as defined in § 56-26-201 that is issued to an employer shall contain a provision requiring the employer to notify the insurer when any person covered under the group policy ceases to be eligible for coverage. The employer shall not…

(a) In connection with a claim for death benefits payable under a life insurance policy or an annuity contract, the following persons are authorized to execute a medical records release authorization that may be required by the insurance company that issued the life insurance pol…

(a) The signature of an applicant for or party to an insurance contract on an application, amendment, or other document stating the type, amount, or terms and conditions of coverage, shall create a rebuttable presumption that the statements provided by the person bind all insured…

This part is known and may be cited as the “Medicare Supplemental Insurance Protection Act of 1988.”

(1) The purpose of this part is to:(1) Promote the public interest;(2) Protect potential buyers of medicare supplement insurance; and(3) Protect the elderly from unscrupulous agents and companies. (1) Promote the public interest; (2) Protect potential buyers of medicare supplemen…

(a) The requirements of this part apply to policies delivered or issued for delivery in the state on or after January 1, 1989. (b) This part is not intended to supersede the obligations of entities subject to this part, to comply with the substance of other applicable insurance l…

(1) With respect to any policy of medicare supplement insurance in a replacement transaction, as the term has been defined by the commissioner, the following are unfair or deceptive acts and shall be sanctioned as provided in chapter 8 of this title:(1) In the case of any insurer…

(a) (1) An insurance company or agent that commits an unfair or deceptive act in the sale or offering for sale or administration of medicare supplement insurance shall be subject to the Consumer Protection Act, compiled in title 47, chapter 18, part 1, except for §§ 47-18-106 — 4…

The requirements in the amendments and enactments in this part in § 56-7-1405(b)(1)(D)-(G) and (b)(2)(A) and (B) are not applicable to the issuance and delivery of group medicare supplement insurance.

(a) Every insurer, health care service plan, or other entity providing medicare supplement insurance or benefits in this state shall provide a copy of any medicare supplement advertisement intended for use in this state whether through written, radio or television medium to the c…

(1) As used in this part, unless the context otherwise requires:(1) “Applicant” means:(A) In the case of an individual medicare supplement policy, the person who seeks to contract for insurance benefits; and(B) In the case of a group medicare supplement policy, the proposed certi…

(a) Except as otherwise specifically provided, this part applies to:(1) All medicare supplement policies delivered or issued for delivery in this state on or after July 1, 1992; and(2) All certificates issued under group medicare supplement policies, which certificates have been …

(a) No medicare supplement policy or certificate in force in this state shall contain benefits that duplicate benefits provided by medicare. (b) Notwithstanding any other law to the contrary, a medicare supplement policy or certificate shall not exclude or limit benefits for loss…