2005 Idaho Code - 41-2103 — SCOPE AND FORMAT OF POLICY

                                  TITLE  41
                                  INSURANCE
                                  CHAPTER 21
                        DISABILITY INSURANCE POLICIES
    41-2103.  SCOPE AND FORMAT OF POLICY. No policy of disability insurance
shall be delivered or issued for delivery to any person in this state unless
it otherwise complies with this code, and complies with the following:
    (1)  The entire money and other considerations therefor shall be expressed
therein;
    (2)  The time when the insurance takes effect and terminates shall be
expressed therein;
    (3)  It shall purport to insure only one (1) person, except that a policy
may insure, originally or by subsequent amendment, upon the application of an
adult member of a family, who shall be deemed the policy holder, any two (2)
or more eligible members of that family, including husband, wife, dependent
children or any children under a specified age which shall not exceed nineteen
(19) years and any other person dependent upon the policyholder;
    (4)  The style, arrangement and overall appearance of the policy shall
give no undue prominence to any portion of the text, and every printed portion
of the text of the policy and of any endorsements or attached papers shall be
plainly printed in light-faced type of a style in general use, the size of
which shall be uniform and not less than ten (10) point with a lower case
unspaced alphabet length not less than one hundred and twenty (120) point (the
"text" shall include all printed matter except the name and address of the
insurer, name or title of the policy, the brief description, if any, and
captions and subcaptions);
    (5)  The exceptions and reductions of indemnity shall be set forth in the
policy and, other than those contained in sections 41-2105 to 41-2127,
inclusive, of this chapter, shall be printed, at the insurer's option, either
included with the benefit provisions to which they apply, or under an
appropriate caption such as "Exceptions," or "Exceptions and Reductions,"
except that if an exception or reduction specifically applies only to a
particular benefit of the policy, a statement of such exception or reduction
shall be included with the benefit provision to which it applies;
    (6)  Each such form, including riders and endorsements, shall be
identified by a form number in the lower left-hand corner of the first page
thereof;
    (7)  The policy shall contain no provision purporting to make any portion
of the charter, rules, constitution or by-laws of the insurer a part of the
policy unless such portion is set forth in full in the policy, except in the
case of the incorporation of, or reference to, a statement of rates or
classification of risks, or short-rate table filed with the director;
    (8)  When the policy provides payment for medical or surgical expense to
the insured, on a reimbursement basis, or otherwise, the insured shall be
entitled to a free choice of medical doctor to perform said services, or the
free choice of a podiatrist if the latter is authorized by law to perform the
particular medical or surgical services covered under the terms of said
policy;
    (9)  When the policy provides for payment for the expense of services that
are within the lawful scope of practice of a duly licensed optometrist, on a
reimbursement basis or otherwise, the insured shall be entitled to a free
choice of medical doctor or optometrist to perform such services.