General Provisions

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  4. Insurance Generally
  5. General Provisions

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Section
33-24-1

Definitions

Section
33-24-2

Applicability of Chapter

Section
33-24-3

Insurable Interest; Personal Insurance

Section
33-24-4

Insurable Interest; Property Insurance

Section
33-24-5

Persons Having Capacity to Contract for Insurance; Purchase of Insurance by or for Minors; Rescission, Avoidance, or Repudiation of Contracts by Minors

Section
33-24-6

Consent of Insured to Insurance Contract; Exceptions; Reliance by Insurer on Statements in Application

Section
33-24-6.1

Prerequisites for Replacement Life Insurance Exceeding Insurance Being Surrendered

Section
33-24-7

Statements and Descriptions in Applications or in Negotiations Deemed Representations and Not Warranties; Effect of Misrepresentations Upon Recovery Under Policies

Section
33-24-8

Admissibility in Evidence of Applications in Actions Between Insurer and Insured

Section
33-24-9

Approval or Disapproval of Forms

Section
33-24-10

Grounds for Disapproval of Forms

Section
33-24-10.1

Standard or Uniform Claim Form

Section
33-24-11

Waiver by Commissioner of Use of Standard or Uniform Provisions in Policies or Contracts; Approval of Use of Substitute Provisions

Section
33-24-12

Noncomplying Conditions or Provisions; Cancellation of Contracts Covering Uninsurable Subjects

Section
33-24-13

Execution of Policies; Use of Facsimile Signatures

Section
33-24-14

(See Editor's notes.) Delivery of Policies; Applicability of Uniform Electronic Transactions Act; Additional Mailings

Section
33-24-15

When Policies or Contracts Become Effective

Section
33-24-16

Construction of Policies

Section
33-24-16.1

Clarification of Term "Actual Charge" or "Actual Fee"

Section
33-24-17

Assignment of Policies

Section
33-24-18

Contents of Insurance Policies and Annuity Contracts Generally

Section
33-24-19

Incorporation of Constituent Documents in Policies

Section
33-24-19.1

Certificate of Insurance Forms to Be Approved by Commissioner; Definitions; Required Provisions of Certificate

Section
33-24-20

Provision in Accident and Sickness Policies for Termination of Coverage of Surviving Spouse or as Result of Break in Marital Relationship; Issuance of Policy to Spouse

Section
33-24-21

Provision in Accident and Sickness Policies for Termination of Group Coverage of Surviving Spouse or as Result of Break in Marital Relationship; Issuance of Policy to Spouse

Section
33-24-21.1

Group Accident and Sickness Contracts; Conversion Privilege and Continuation Right Provisions; Impact of Federal Legislation

Section
33-24-21.2

Continuation of Coverage Under Group Accident and Sickness Plans for Persons 60 Years of Age or Older

Section
33-24-22

Provision in Health Insurance Policies for Coverage of Newly Born or Adopted Children

Section
33-24-23

Provision in Group Policies of Accident and Sickness Insurance for Exclusion or Reduction of Benefits

Section
33-24-24

Provision in Group or Blanket Accident and Sickness Policies of Coverage for Complications of Pregnancy

Section
33-24-25

Provisions in Group or Blanket Policies Excluding or Reducing Coverage of Persons Eligible for or Receiving Medical Assistance

Section
33-24-26

Provisions Limiting or Restricting Payment of Benefits for Preexisting Illnesses or Conditions

Section
33-24-26.1

Provisions Required in Group Policies or Contracts of Disability Income Insurance Covering Preexisting Conditions; Restrictions on Preexisting Condition Limitations or Exclusions

Section
33-24-27

Provision for Reimbursement for Services Within the Lawful Scope of Practice of Psychologists or Chiropractors

Section
33-24-27.1

Provision for Reimbursement for Services Within the Lawful Scope of Practice of Optometrists

Section
33-24-27.2

Provision for Reimbursement for Services Within the Lawful Scope of Practice of Athletic Trainers

Section
33-24-28

Termination of Coverage of Dependent Child Upon Attainment of Specified Age

Section
33-24-28.1

Coverage of Treatment of Mental Disorders

Section
33-24-28.2

Coverage of Outpatient Surgery

Section
33-24-28.3

Policies Not to Exclude Payment to Hospitals Specializing in Treatment of Alcoholics or Drug Addicts

Section
33-24-28.4

Coverage of General Anesthesia and Hospital or Ambulatory Surgical Facility Charges for Certain Dental Care

Section
33-24-29

Coverage for Treatment of Mental Disorders Under Accident and Sickness Insurance Benefit Plans Providing Major Medical Benefits Covering Small Groups; Federal Law

Section
33-24-29.1

Coverage for Mental Disorders Under Accident and Sickness Insurance Benefit Plans Providing Major Medical Benefits Covering All Groups Except Small Groups

Section
33-24-30

Excluding or Denying Coverage on Basis of Violation of Civil Air Regulations

Section
33-24-30.1

Excluding or Denying Coverage on Basis of Lawful Firearms Possession

Section
33-24-31

Provision in Group Disability Income Policies for Offsetting of Increased Social Security Benefits

Section
33-24-32

Underwriters' and Combination Policies

Section
33-24-33

Binders and Other Contracts for Temporary Insurance

Section
33-24-34

Authorization of Group Insurance for Government Employees; Deduction of Premiums From Wages or Salaries

Section
33-24-35

Withdrawal or Retirement From Group Insurance Plan

Section
33-24-36

Effect of Government Employee Group Insurance Upon Rights Under Workers' Compensation Act

Section
33-24-37

Effect of Government Employee Group Insurance Upon Local and Special Laws

Section
33-24-38

Renewal or Extension of Policies by Certificate or Endorsement

Section
33-24-39

Insurers to Furnish Forms for Proof of Loss; Effect of Furnishing or Failure to Furnish Forms

Section
33-24-40

Acts of Claims Administration Not to Be Deemed Waiver of Policies or Defenses Under Policies

Section
33-24-41

Discharge of Insurer by Payment Generally

Section
33-24-41.1

Motor Vehicle Accident Claim Covered by Two or More Insurance Carriers; Limited Release

Section
33-24-41.2

Written Notice by Insurer to Claimant of Payment of Claim in Third-Party Settlement

Section
33-24-42

Payment of Claims in Event of Simultaneous Deaths

Section
33-24-43

Medium of Payment

Section
33-24-44

Cancellation of Policies Generally

Section
33-24-44.1

Procedure for Cancellation by Insured and Notice

Section
33-24-45

Cancellation or Nonrenewal of Automobile or Motorcycle Policies; Procedure for Review by Commissioner

Section
33-24-46

Cancellation or Nonrenewal of Certain Property Insurance Policies

Section
33-24-47

Notice Required of Termination or Nonrenewal, Increase in Premium Rates, or Change Restricting or Reducing Coverage; Failure of Insurer to Comply

Section
33-24-47.1

Notice Prior to Cancellation or Nonrenewal of Individual or Group Accident and Sickness Policy

Section
33-24-48

Acceptance of Surety Insurance Companies as Sureties Upon Bonds of Persons or Corporations; Rights and Liabilities of Corporate Sureties

Section
33-24-49

Deposit of Funds Covered by Bonds

Section
33-24-50

Action as Sureties Upon Guaranteed Arrest Bond Certificates; Acceptance of Certificates

Section
33-24-51

Purchase of Insurance Covering Injuries Resulting From Governmental Ownership and Use of Motor Vehicles; Waiver of Governmental Immunity; Limitation of Liabilities

Section
33-24-52

Direct Response Insurance Business

Section
33-24-53

Solicitation, Release, or Sale of Automobile Accident Information Prohibited; Definitions; Exceptions; Penalties

Section
33-24-54

Payments to Nonparticipating or Nonpreferred Providers of Health Care Services

Section
33-24-55

Health Insurance; Recovery Rights of State for Payments Made Under Medicaid; Rights of Children to Coverage; Requirements for Insurers Under Orders to Provide Coverage

Section
33-24-56

Prohibition Against Requiring Referral From Primary Care Physician to Dermatologist

Section
33-24-56.1

Reimbursement of Medical Expense or Disability Benefit Providers in Personal Injury Cases; Subrogation Prohibited; Notice

Section
33-24-56.2

Surveillance Tests for Ovarian Cancer

Section
33-24-56.3

Colorectal Cancer Screening and Testing

Section
33-24-56.4

Short Title; Definitions; Payment for Telehealth Services

Section
33-24-56.5

Health Benefit Policy to Provide Coverage for Orally Administered Chemotherapy for the Treatment of Cancer; Definitions

Section
33-24-57

Health Insurance; Provision That Coverage Cannot Be Terminated Due to Individual Claims Experience Required

Section
33-24-57.1

Health Insurance Identification Card; Issue Required; Contents; Updating; Social Security Numbers Not to Be Displayed

Section
33-24-58

Newborn Baby and Mother Protection Act; Short Title

Section
33-24-58.1

Newborn Baby and Mother Protection Act; Legislative Findings and Declaration

Section
33-24-58.2

Newborn Baby and Mother Protection Act; Minimum Health Benefit Policy Coverage; Prohibited Actions by Insurance Providers; Required Notice to Mother

Section
33-24-59

Women's Access to Health Care; Health Insurance; Provision Disclosing Insured's Right to Direct Access to Obstetricians and Gynecologists Required

Section
33-24-59.1

Coverage for Treatment of Dependent Children With Cancer

Section
33-24-59.2

Coverage for Equipment and Self-Management Training for Individuals With Diabetes; Enforcement

Section
33-24-59.3

Payments Sent Directly to Health Care Provider by Insurer

Section
33-24-59.4

Confidentiality of Medical Information Obtained From Pharmacies; Restrictions on Release of Information; Penalty for Violation

Section
33-24-59.5

Definitions; Timely Payment of Health Benefits; Notification of Failure to Pay; Penalties; Applicability

Section
33-24-59.6

Prescribed Female Contraceptive Drugs or Devices; Insurance Coverage

Section
33-24-59.7

Coverage for the Treatment of Morbidly Obese Patients; Short Title; Legislative Findings; Adoption of Rules and Regulations by Commissioner

Section
33-24-59.8

Coverage for Prescription Inhalers; No Restriction on the Number of Days Before Obtaining a Refill as Prescribed

Section
33-24-59.9

Registered Nurse First Assistants

Section
33-24-59.10

Coverage for Autism

Section
33-24-59.11

Insurance Coverage for Prescription Drugs Used in Manner Different Than Use Authorized by Fda

Section
33-24-59.12

Patient Access to Eye Care

Section
33-24-59.13

Exemptions From Certain Unfair Trade Practices for Certain Wellness and Health Improvement Programs; Incentives

Section
33-24-59.14

Definitions; Prompt Pay Requirements; Penalties

Section
33-24-59.15

Definitions; Dental Insurance

Section
33-24-59.16

Equal Access to Child's Health Insurance Information; Exceptions

Section
33-24-59.17

Coverage of Certain Abortions Through Certain Qualified Health Plans Prohibited; Definitions

Section
33-24-59.18

Coverage for Treatment of a Terminal Condition

Section
33-24-59.19

Coverage for Treatment of Burns With Skin Substitutes Utilizing Cryopreserved Cadaver Derived Skin Tissue

Section
33-24-59.20

Access to Stage Four Advanced, Metastatic Cancer Treatments in Health Benefit Plans

Section
33-24-59.21

Health Plans to Provide Coverage for Hearing Aids for Certain Individuals; Frequency of Replacement; Coverage of Services and Supplies; Options for Higher Priced Devices

Section
33-24-59.22

Prescription Drug Program Defined; Cost Sharing; Denial of Coverage; Dispensing Fees

Section
33-24-59.23

(For Effective Date, See note.) Carrier Issuing Health Benefit Plans to Pay Insurance Agent's Commissions; Regulation

Section
33-24-59.24

Restrictions on Payment Methods Prohibited; Waiver of Provisions Prohibited; Enforcement

Section
33-24-59.25

Establishment by Health Benefit Plans of Step Therapy Protocols; Exception Process; Time Requirements; Appeals; Construction; Application

Section
33-24-59.26

Limitation on Definition of "Preexisting Condition"

Section
33-24-59.27

(Effective July 1, 2021) Right to Shop for Insurance Coverage; Disclosure of Pricing Information; Notice

Section
33-24-59.28

Insurer Obligations for Early Prescription Refills During Emergencies

Section
33-24-59.29

(Effective January 1, 2021.) Copayments