Section 27-19-28 Exclusion of hospitalization benefits for mental patients in tax-supported institutions. (a) No policy of health, sickness, or accident insurance delivered, or issued for delivery, in this state, including both individual and group policies, which provide coverage for psychiatric treatment or mental illness shall exclude hospitalization benefits for mental patients in tax-supported institutions of […]
Section 27-19-29 Ownership in person other than insured. The word “insured,” as used in this article, shall not be construed as preventing a person other than the insured with a proper insurable interest from making application for and owning a policy covering the insured or from being entitled under such a policy to any indemnities, […]
Section 27-19-3 Mandatory policy provisions – Generally. (a) Except as provided in subsection (b) of this section, each such policy delivered, or issued for delivery, to any person in this state shall contain the provisions specified in Sections 27-19-4 through 27-19-15, in the words in which the same appear; except, that the insurer may, at […]
Section 27-19-30 Provisions of other jurisdictions. (a) Any policy of a foreign or alien insurer, when delivered or issued for delivery to any person in this state, may contain any provision which is not less favorable to the insured or the beneficiary than the provisions of this article and which is prescribed or required by […]
Section 27-19-31 Renewability. (a) Every individual policy of insurance providing hospital, medical, or surgical benefits in which an insurer reserves the right to refuse renewal on an individual basis shall provide, in substance, in a provision thereof, or in an endorsement thereon or in a rider attached thereto that, subject to the right to terminate […]
Section 27-19-32 Examination and return of policy. Every individual disability insurance policy, except single premium nonrenewable policies or contracts, issued for delivery in the State of Alabama shall have printed thereon, or attached thereto, a notice stating in substance that the person to whom the policy is issued shall be permitted to return the policy […]
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. 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. (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. 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. 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. (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. 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 27-19-4 Mandatory policy provisions – Entire contract; changes. There shall be a provision as follows: “Entire Contract; Changes: This policy, including the endorsements and the attached papers, if any, constitutes the entire contract of insurance. No change in this policy shall be valid until approved by an executive officer of the insurer and unless […]
Section 27-19-5 Mandatory policy provisions – Time limit on certain defenses. There shall be a provision as follows: “Time Limit on Certain Defenses: (1) After two years from the date of issue of this policy, no misstatements, except fraudulent misstatements, made by the applicant in the application for such policy shall be used to void […]
Section 27-19-6 Mandatory policy provisions – Grace period. There shall be a provision as follows: “Grace Period: A grace period of _____ (insert a number not less than ‘7’ for weekly premium policies, ’10’ for monthly premium policies and ’31’ for all other policies) days will be granted for the payment of each premium falling […]
Section 27-19-7 Mandatory policy provisions – Reinstatement. There shall be a provision as follows: “Reinstatement: If any renewal premium be not paid within the time granted the insured for payment, a subsequent acceptance of premium by the insurer or by any agent duly authorized by the insurer to accept such premium, without requiring in connection […]
Section 27-19-8 Mandatory policy provisions – Notice of claim; notice of disability continuance. There shall be a provision as follows: “Notice of Claim: Written notice of claim must be given to the insurer within 20 days after the occurrence or commencement of any loss covered by the policy, or as soon thereafter as is reasonably […]
Section 27-19-9 Mandatory policy provisions – Claim forms. There shall be a provision as follows: “Claim Forms: The insurer, upon receipt of a notice of claim, will furnish to the claimant such forms as are usually furnished by it for filing proofs of loss. If such forms are not furnished within 15 days after the […]
