Section 27-19-33 – Addition of Endorsements or Riders to Existing Policies.
Section 27-19-33 Addition of endorsements or riders to existing policies. Any insurer writing disability insurance policies may, with approval of the commissioner, add endorsements or riders to existing policies of such insurance, with or without increase in premium, provided there is shown separately on the endorsement or rider a stated premium charge for additional coverage. […]
Section 27-19-34 – Compliance With Article by Rider or Endorsement.
Section 27-19-34 Compliance with article by rider or endorsement. The requirements of this article may be complied with by the insurer by attaching to the policy such rider or endorsement as may be necessary for the purpose. (Acts 1957, No. 597, p. 834; Acts 1971, No. 407, p. 707, §454.)
Section 27-19-35 – Construction of Policy Provisions.
Section 27-19-35 Construction of policy provisions. (a) No policy provision which is not subject to this article shall make a policy, or any portion thereof, less favorable in any respect to the insured or the beneficiary than the provisions thereof which are subject to this article. (b) A policy delivered, or issued for delivery, to […]
Section 27-19-36 – Age Limit or Date for Termination of Coverage.
Section 27-19-36 Age limit or date for termination of coverage. If any such policy contains a provision establishing, as an age limit or otherwise, a date after which the coverage provided by the policy will not be effective and if such date falls within a period for which premium is accepted by the insurer or […]
Section 27-19-37 – Disability Insurance on Franchise Plan.
Section 27-19-37 Disability insurance on franchise plan. Disability insurance on a franchise plan is hereby declared to be that form of disability insurance issued to: (1) Three or more employees of any corporation, copartnership, or individual employer, or any governmental corporation, agency, or department thereof; or (2) Ten or more members, employees, or employees of […]
Section 27-19-38 – Coverage of Newly Born Children in Health Insurance Policies.
Section 27-19-38 Coverage of newly born children in health insurance policies. (a) All individual and group health insurance policies providing coverage on an expense-incurred basis and individual and group service or indemnity type contracts issued by a nonprofit service corporation which provide coverage for a family member of the insured or subscriber shall, as to […]
Section 27-19-39 – Policies, etc., Providing for Reimbursement for Visual Service.
Section 27-19-39 Policies, etc., providing for reimbursement for visual service. Whenever any policy of insurance or any medical service plan or hospital service contract or hospital and medical service contract provides for reimbursement for any visual service in Alabama which is within the lawful scope of practice of a duly licensed optometrist, as defined in […]
Section 27-19-24 – Optional Policy Provisions – Conformity With State Statutes.
Section 27-19-24 Optional policy provisions – Conformity with state statutes. There may be a provision as follows: “Conformity with State Statutes: Any provision of this policy which, on its effective date, is in conflict with the statutes of the state in which the insured resides on such date is hereby amended to conform to the […]
Section 27-19-25 – Optional Policy Provisions – Illegal Occupation.
Section 27-19-25 Optional policy provisions – Illegal occupation. There may be a provision as follows: “Illegal Occupation: The insurer shall not be liable for any loss to which a contributing cause was the insured’s commission of, or attempt to commit, a felony or to which a contributing cause was the insured’s being engaged in an […]
Section 27-19-26 – Optional Policy Provisions – Intoxicants and Narcotics.
Section 27-19-26 Optional policy provisions – Intoxicants and narcotics. There may be a provision as follows: “Intoxicants and Narcotics: The insurer shall not be liable for any loss sustained or contracted in consequence of the insured’s being intoxicated or under the influence of any narcotic unless administered on the advice of a physician.” (Acts 1953, […]