US Laws, Codes, Statutes & Cases

                                  TITLE  41
                                  INSURANCE
                                  CHAPTER 42
                             INDIVIDUAL ACCIDENT
                        AND HEALTH INSURANCE POLICIES
    41-4204.  MINIMUM STANDARDS FOR BENEFITS. (1) The director shall issue
rules and regulations, subject to chapter 52, title 67, Idaho Code, to
establish minimum standards for benefits under each of the following
categories of coverage in individual policies, nongroup subscriber contracts
of nonprofit hospital, medical and dental service associations, and nongroup
subscriber contracts of health maintenance organizations other than conversion
policies issued pursuant to a contractual conversion privilege under a group
policy of disability insurance:
    (a)  Basic hospital expense coverage;
    (b)  Basic medical-surgical and dental expense coverage;
    (c)  Hospital confinement indemnity coverage;
    (d)  Major medical expense coverage;
    (e)  Disability income protection coverage;
    (f)  Accident only coverage; and
    (g)  Specified disease or specified accident coverage.
    (2)  Nothing in this section shall preclude the issuance of any policy or
contract which combines two (2) or more of the categories of coverage
enumerated in paragraphs (a) through (g) of subsection (1).
    (3)  No policy or contract shall be delivered or issued for delivery in
this state which does not meet the prescribed minimum standards for the
categories of coverage listed in paragraphs (a) through (g) of subsection (1)
of this section, which are contained within the policy or contract unless the
director finds such policy or contract will be in the public interest and such
policy or contract meets the requirements set forth in section 41-1813, Idaho
Code.
    (4)  The director shall prescribe the method of identification of policies
and contracts based upon coverages provided.