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2025 Code of Georgia
Title 33 - Insurance (Chs. 1 — 66)
Chapter 24 - Insurance Generally (Arts. 1 — 4)
Article 1 - General Provisions (§§ 33-24-1 — 33-24-59.38)
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Law reviews.For note on 1995 amendments and enactments of Code sections in this article, see 12 Georgia St. U. L. Review 264 and 268 (1995).
Hierarchy Notes:O. C. G. A. Title 33
O. C. G. A. Title 33, Ch. 24
Universal Citation:
O.C.G.A. Title 33, Ch. 24, Art. 1
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- § 33-24-1. Definitions
- § 33-24-2. Applicability of chapter
- § 33-24-3. Insurable interest; personal insurance
- § 33-24-4. Insurable interest; property insurance
- § 33-24-5. Persons having capacity to contract for insurance; purchase of insurance by or for minors; rescission, avoidance, or repudiation of contracts by minors
- § 33-24-6. Consent of insured to insurance contract; exceptions; reliance by insurer on statements in application
- § 33-24-6.1. Prerequisites for replacement life insurance exceeding insurance being surrendered
- § 33-24-7. Statements and descriptions in applications or in negotiations deemed representations and not warranties; effect of misrepresentations upon recovery under policies
- § 33-24-8. Admissibility in evidence of applications in actions between insurer and insured
- § 33-24-9. Approval or disapproval of forms
- § 33-24-10. Grounds for disapproval of forms
- § 33-24-10.1. Standard or uniform claim form
- § 33-24-11. Waiver by Commissioner of use of standard or uniform provisions in policies or contracts; approval of use of substitute provisions
- § 33-24-12. Noncomplying conditions or provisions; cancellation of contracts covering uninsurable subjects
- § 33-24-13. Execution of policies; use of facsimile signatures
- § 33-24-14. Delivery of policies; applicability of Uniform Electronic Transactions Act; additional mailings
- § 33-24-14.1. Electronic delivery of plan documentation
- § 33-24-15. When policies or contracts become effective
- § 33-24-16. Construction of policies
- § 33-24-16.1. Clarification of term "actual charge" or "actual fee"
- § 33-24-17. Assignment of policies
- § 33-24-18. Contents of insurance policies and annuity contracts generally
- § 33-24-19. Incorporation of constituent documents in policies
- § 33-24-19.1. [Effective until January 1, 2027] Certificate of insurance forms to be approved by Commissioner; definitions; required provisions of certificate
- § 33-24-19.1. [Effective January 1, 2027] Certificate of insurance forms to be approved by Commissioner; definitions; required provisions of certificate
- § 33-24-20. Provision in accident and sickness policies for termination of coverage of surviving spouse or as result of break in marital relationship; issuance of policy to spouse
- § 33-24-21. Provision in accident and sickness policies for termination of group coverage of surviving spouse or as result of break in marital relationship; issuance of policy to spouse
- § 33-24-21.1. Group accident and sickness contracts; conversion privilege and continuation right provisions; impact of federal legislation
- § 33-24-21.2. Continuation of coverage under group accident and sickness plans for persons 60 years of age or older
- § 33-24-22. Provision in health insurance policies for coverage of newly born or adopted children
- § 33-24-23. Provision in group policies of accident and sickness insurance for exclusion or reduction of benefits
- § 33-24-24. Provision in group or blanket accident and sickness policies of coverage for complications of pregnancy
- § 33-24-25. Provisions in group or blanket policies excluding or reducing coverage of persons eligible for or receiving medical assistance
- § 33-24-26. Provisions limiting or restricting payment of benefits for preexisting illnesses or conditions
- § 33-24-26.1. Provisions required in group policies or contracts of disability income insurance covering preexisting conditions; restrictions on preexisting condition limitations or exclusions
- § 33-24-27. Provision for reimbursement for services within the lawful scope of practice of psychologists or chiropractors
- § 33-24-27.1. Provision for reimbursement for services within the lawful scope of practice of optometrists
- § 33-24-27.2. Provision for reimbursement for services within the lawful scope of practice of athletic trainers
- § 33-24-28. Termination of coverage of dependent child upon attainment of specified age
- § 33-24-28.1. Coverage of treatment of mental health or substance use disorders
- § 33-24-28.2. Coverage of outpatient surgery
- § 33-24-28.3. Policies not to exclude payment to hospitals specializing in treatment of alcoholics or drug addicts
- § 33-24-28.4. Coverage of general anesthesia and hospital or ambulatory surgical facility charges for certain dental care
- § 33-24-29. Mental health and substance abuse disorder coverage parity in small group plans; federal law
- § 33-24-29.1. Mental health and substance use disorder coverage parity; small group plan exclusion
- § 33-24-30. Excluding or denying coverage on basis of violation of civil air regulations
- § 33-24-30.1. Excluding or denying coverage on basis of lawful firearms possession
- § 33-24-31. Provision in group disability income policies for offsetting of increased social security benefits
- § 33-24-32. Underwriters’ and combination policies
- § 33-24-33. Binders and other contracts for temporary insurance
- § 33-24-34. Authorization of group insurance for government employees; deduction of premiums from wages or salaries
- § 33-24-35. Withdrawal or retirement from group insurance plan
- § 33-24-36. Effect of government employee group insurance upon rights under Workers’ Compensation Act
- § 33-24-37. [Reserved] Effect of government employee group insurance upon local and special laws
- § 33-24-38. Renewal or extension of policies by certificate or endorsement
- § 33-24-39. Insurers to furnish forms for proof of loss; effect of furnishing or failure to furnish forms
- § 33-24-40. Acts of claims administration not to be deemed waiver of policies or defenses under policies
- § 33-24-41. Discharge of insurer by payment generally
- § 33-24-41.1. Motor vehicle accident claim covered by two or more insurance carriers; limited release
- § 33-24-41.2. Written notice by insurer to claimant of payment of claim in third-party settlement
- § 33-24-42. Payment of claims in event of simultaneous deaths
- § 33-24-43. Medium of payment
- § 33-24-44. [Effective until January 1, 2027] Cancellation of policies generally
- § 33-24-44. [Effective January 1, 2027] Cancellation of policies generally
- § 33-24-44.1. Procedure for cancellation by insured and notice
- § 33-24-45. Cancellation or nonrenewal of automobile or motorcycle policies; procedure for review by Commissioner
- § 33-24-46. Cancellation or nonrenewal of certain property insurance policies
- § 33-24-47. Notice required of termination or nonrenewal, increase in premium rates, or change restricting or reducing coverage; failure of insurer to comply
- § 33-24-47.1. Notice prior to cancellation or nonrenewal of individual or group accident and sickness policy
- § 33-24-48. Acceptance of surety insurance companies as sureties upon bonds of persons or corporations; rights and liabilities of corporate sureties
- § 33-24-49. Deposit of funds covered by bonds
- § 33-24-50. Action as sureties upon guaranteed arrest bond certificates; acceptance of certificates
- § 33-24-51. Purchase of insurance covering injuries resulting from governmental ownership and use of motor vehicles; waiver of governmental immunity; limitation of liabilities
- § 33-24-52. Direct response insurance business
- § 33-24-53. [Effective until January 1, 2027] (Reserved effective January 1, 2027.) Solicitation, release, or sale of automobile accident information prohibited; definitions; exceptions; penalties
- § 33-24-53. [Reserved effective January 1, 2027] Solicitation, release, or sale of automobile accident information prohibited; definitions; exceptions; penalties
- § 33-24-54. Payments to nonparticipating or nonpreferred providers of health care services
- § 33-24-55. Health insurance; recovery rights of state for payments made under Medicaid; rights of children to coverage; requirements for insurers under orders to provide coverage
- § 33-24-56. Prohibition against requiring referral from primary care physician to dermatologist
- § 33-24-56.1. Reimbursement of medical expense or disability benefit providers in personal injury cases; subrogation prohibited; notice
- § 33-24-56.2. Surveillance tests for ovarian cancer
- § 33-24-56.3. Colorectal cancer screening and testing
- § 33-24-56.4. Short title; definitions; payment for telehealth services
- § 33-24-56.5. Health benefit policy to provide coverage for orally administered chemotherapy for the treatment of cancer; definitions
- § 33-24-57. Health insurance; provision that coverage cannot be terminated due to individual claims experience required
- § 33-24-57.1. Health insurance identification card; issue required; contents; updating; social security numbers not to be displayed
- § 33-24-58. Newborn Baby and Mother Protection Act; short title
- § 33-24-58.1. Newborn Baby and Mother Protection Act; legislative findings and declaration
- § 33-24-58.2. Newborn Baby and Mother Protection Act; minimum health benefit policy coverage; prohibited actions by insurance providers; required notice to mother
- § 33-24-59. Women’s access to health care; health insurance; provision disclosing insured’s right to direct access to obstetricians and gynecologists required
- § 33-24-59.1. Coverage for treatment of dependent children with cancer
- § 33-24-59.2. Coverage for equipment and self-management training for individuals with diabetes; enforcement
- § 33-24-59.3. Payments sent directly to health care provider by insurer
- § 33-24-59.4. Confidentiality of medical information obtained from pharmacies; restrictions on release of information; penalty for violation
- § 33-24-59.5. Definitions; timely payment of health benefits; notification of failure to pay; penalties; applicability
- § 33-24-59.6. Prescribed female contraceptive drugs or devices; insurance coverage
- § 33-24-59.7. Coverage for the treatment of morbidly obese patients; short title; legislative findings; adoption of rules and regulations by Commissioner
- § 33-24-59.8. Coverage for prescription inhalers; no restriction on the number of days before obtaining a refill as prescribed
- § 33-24-59.9. Registered nurse first assistants
- § 33-24-59.10. Coverage for autism
- § 33-24-59.11. Insurance coverage for prescription drugs used in manner different than use authorized by FDA
- § 33-24-59.12. Patient access to eye care
- § 33-24-59.13. Exemptions from certain unfair trade practices for certain wellness and health improvement programs; incentives
- § 33-24-59.14. Definitions; prompt pay requirements; penalties
- § 33-24-59.15. Definitions; dental insurance; prohibited activities
- § 33-24-59.16. Equal access to child’s health insurance information; exceptions
- § 33-24-59.17. Coverage of certain abortions through certain qualified health plans prohibited; definitions
- § 33-24-59.18. Coverage for treatment of a terminal condition
- § 33-24-59.19. Coverage for treatment of burns with skin substitutes utilizing cryopreserved cadaver derived skin tissue
- § 33-24-59.20. Access to stage four advanced, metastatic cancer treatments in health benefit plans
- § 33-24-59.21. Health plans to provide coverage for hearing aids for certain individuals; frequency of replacement; coverage of services and supplies; options for higher priced devices
- § 33-24-59.22. Prescription drug program defined; cost sharing; denial of coverage; dispensing fees
- § 33-24-59.23. Carrier issuing health benefit plans to pay insurance agent’s commissions; regulation
- § 33-24-59.24. [Effective July 1, 2026] Restrictions on payment methods prohibited; waiver of provisions prohibited; enforcement
- § 33-24-59.25. Establishment by health benefit plans of step therapy protocols; exception process; time requirements; appeals; construction; application
- § 33-24-59.26. Limitation on definition of "preexisting condition"
- § 33-24-59.27. Right to shop for insurance coverage; disclosure of pricing information; notice
- § 33-24-59.28. Insurer obligations for early prescription refills during emergencies
- § 33-24-59.29. Copayments
- § 33-24-59.30. Requirements for health insurance issuer for anatomical gifts or organ transplants; medically inappropriate organ transplants
- § 33-24-59.31. When a value-added product or service is not an unfair trade practice or unlawful inducement
- § 33-24-59.32. Cost-sharing requirements for diagnostic and supplemental breast screening examinations
- § 33-24-59.33. [Effective July 1, 2026] Required coverage for biomarker testing
- § 33-24-59.34. Required medical coverage for standard fertility preservation services
- § 33-24-59.35. (For effective date, see note.) Required coverage for orthotic devices and prosthetic devices; reporting; regulation
- § 33-24-59.36. Required coverage for healthcare services for PANDAS or PANS
- § 33-24-59.37. [Effective January 1, 2027] Supply quantity of covered prescription contraceptive drugs
- § 33-24-59.38. [Effective January 1, 2027] Contract limitations on commencement of action for first-party property insurance coverage
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