US Laws, Codes, Statutes & Cases

                                  TITLE  41
                                  INSURANCE
                                  CHAPTER 42
                             INDIVIDUAL ACCIDENT
                        AND HEALTH INSURANCE POLICIES
    41-4203.  STANDARDS FOR POLICY PROVISIONS. (1) The director shall issue
rules and regulations, subject to chapter 52, title 67, Idaho Code, to
establish specific standards, including standards of full and fair disclosure,
that set forth the manner, content, and required disclosure for the sale of
individual policies of disability insurance and nongroup subscriber contracts
of nonprofit hospital, medical and dental service associations and nongroup
subscriber contracts of health maintenance organizations which shall be in
addition to and in accordance with applicable laws of this state, which may
cover but shall not be limited to:
    (a)  Terms or renewability,
    (b)  Initial and subsequent conditions of eligibility,
    (c)  Nonduplication of coverage provisions,
    (d)  Coverage of dependents,
    (e)  Pre-existing conditions,
    (f)  Termination of insurance,
    (g)  Probationary periods,
    (h)  Limitations,
    (i)  Exceptions,
    (j)  Reductions,
    (k)  Elimination periods,
    (l)  Requirements for replacement,
    (m)  Recurrent conditions, and
    (n)  The definition of terms including but not limited to the following:
hospital, accident, sickness, injury, physician, accidental means, total
disability, partial disability, nervous disorder, guaranteed renewable and
noncancellable.
    (2)  The director may issue rules and regulations that specify prohibited
policy provisions not otherwise specifically authorized by statute which in
the opinion of the director are unjust, unfair, or unfairly discriminatory to
the policyholder, any person insured under the policy, or beneficiary.