31.11.10.07

.07 Optional Provisions.

A. Physical Examination.

(1) A carrier may include a provision in a group health insurance contract or blanket health insurance contract giving the carrier the right to examine the person of the insured when and as often as it may reasonably require during the pendency of a claim under the contract.

(2) If the carrier includes the provision described in A(1) of this regulation, the provision shall indicate that any physical examination required by the carrier will be performed at the expense of the carrier.

B. Autopsy.

(1) A carrier may include a provision in a group health insurance contract or blanket health insurance contract giving the carrier the right to make an autopsy in case of death when an autopsy is not forbidden by law.

(2) A carrier may include a provision in a group health insurance contract or blanket health insurance contract that any autopsy required by the carrier will be performed at the expense of the carrier.

C. Arbitration.

(1) A carrier may include a provision in a group health insurance contract or blanket health insurance contract giving the insured or the group policyholder the option of entering binding arbitration to settle a dispute with the carrier.

(2) If the carrier includes the provision described in C(1) of this regulation, the provision may not require the insured or the group policyholder to enter binding arbitration.