2013 Maryland Code
INSURANCE
§ 24-209 - Policy terms and conditions of coverage

§24-209.

(a) Policies that the Society issues to each class of physicians and other health care providers shall be essentially uniform in terms and conditions of coverage.

(b) Notwithstanding subsection (a) of this section, the Society may:

(1) establish reasonable classifications of physicians and other health care providers, insured activities, and exposures based on a good faith determination of relative exposures and hazards among classifications;

(2) vary the limits, coverages, exclusions, conditions, and loss-sharing provisions among classifications; and

(3) establish, for an individual physician or other health care provider within a classification, reasonable variations in the terms of coverage, including deductibles and loss-sharing provisions, based on the insured’s prior loss experience and current professional training and capability.

(c) (1) In this subsection, “nursing facility” has the meaning stated in § 19-301 of the Health - General Article.

(2) The Society may not deny, cancel, or refuse to renew medical professional liability insurance coverage for a physician, based solely on the physician’s:

(i) employment by, or provision of health care services at, an assisted living or nursing facility;

(ii) provision of mammography services; or

(iii) provision of services in an emergency room.