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31.10.28.00.htm 31.10.28.00. Title 31 MARYLAND INSURANCE ADMINISTRATION Subtitle 10 HEALTH INSURANCE ― GENERAL Chapter 28 Individual Health Insurance Contracts ― Standard Provisions and Exclusions Authority: Insurance Article, §2-109, 12-203(g) and 12-205(b)4) Annotated Code of Maryland
31.10.28.01.htm 31.10.28.01. 01 Scope.. This chapter is applicable to each individual health insurance contract issued or delivered in Maryland on or after the effective date of this chapter.
31.10.28.02.htm 31.10.28.02. 02 Definitions.. A. In this chapter, the following terms have the meanings indicated.. B. Terms Defined.. 1) “Coverage period” means the interval of time the individual health insurance contract provides protection to the insured, in exchange for the payment of a particular premium.2) "Individual health insurance contract" means a health insurance contract issued by an insurer to a policyholder that provides health insurance coverage for permissible individuals as described in I
31.10.28.03.htm 31.10.28.03. 03 Limitations and Exclusions.. A. Crime.. 1) Except as provided in §A(3) of this regulation, an individual health insurance contract may not include a limitation or exclusion for loss to which a contributing cause was the insured's commission of or attempt to commit a crime.2) An individual health insurance contract may not include a limitation or exclusion for loss for which a contributing cause was the commission of or the attempt to commit a crime by an individual oth
31.10.28.04.htm 31.10.28.04. 04 Arbitration.. If an insurer includes an arbitration provision in an individual health insurance contract, the arbitration provision may not require the insured to use arbitration to settle disputes with the insurer.
31.10.28.05.htm 31.10.28.05. 05 Premium Due Date.. A. Each individual health insurance contract shall specify the premium due date.. B. The premium due date shall be no earlier than the date the coverage period begins.. C. An insurer may offer each individual policyholder the option to pay the premium through an electronic payment.D. If the individual policyholder elects an electronic payment, the insurer may not debit or charge the amount of the premium due prior to the premium due date, except as auth
31.10.28.9999.htm 31.10.28.9999. Administrative History Effective date:. Regulations .01―04 adopted as an emergency provision effective January 1, 2002 (28:26 Md. R. 2270) adopted permanently effective June 10, 2002 (29:11 Md. R. 891)Regulation .02B amended effective October 18, 2010 (37:21 Md. R. 1438). Regulation .03A amended as an emergency provision effective May 9, 2003 (30:11 Md. R. 733) amended permanently effective October 27, 2003 (30:21 Md. R. 1531)
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