§ 27-18-1. “Policy of accident and sickness insurance” construed. “Policy of accident and sickness insurance,” as used in this chapter, includes any policy or contract covering against loss resulting from sickness or from bodily injury or death by accident, or both. History of Section.P.L. 1956, ch. 3808, § 1; G.L. 1956, § 27-18-1.
§ 27-18-1.1. Definitions. As used in this chapter: (1) “Adverse benefit determination” means any of the following: a denial, reduction, or termination of, or a failure to provide or make payment (in whole or in part) for, a benefit, including any such denial, reduction, termination, or failure to provide or make payment that is based […]
§ 27-18-10. Compliance by domestic insurer with laws of other states. Any policy of a domestic insurer may, when issued for delivery in any other state or country, contain any provision permitted or required by the laws of that other state or country. History of Section.P.L. 1956, ch. 3808, § 3; G.L. 1956, § 27-18-10.
§ 27-18-11. Application of provisions to policy issued to nonresident. If any policy is issued by an insurer domiciled in this state for delivery to a person residing in another state, and if the official having responsibility for the administration of the insurance laws of the other state has advised the commissioner that the policy […]
§ 27-18-12. Less favorable provisions prohibited. No policy provision that is not subject to §§ 27-18-3 — 27-18-10 shall make a policy, or any portion of a policy, less favorable in any respect to the insured or the beneficiary than the provisions of the policy which are subject to this chapter. History of Section.P.L. 1956, […]
§ 27-18-13. Effect of policies inconsistent with chapter. A policy delivered or issued for delivery to any person in this state in violation of this chapter shall be held valid but shall be construed as provided in this chapter. When any provision in a policy subject to this chapter is in conflict with any provision […]
§ 27-18-14. Copies of applications. The insured shall not be bound by any statement made in an application for a policy unless a copy of the application is attached to or endorsed on the policy when issued as a part of the policy. If the policy delivered or issued for delivery to any person in […]
§ 27-18-15. Alteration of application. No alteration of any written application for the policy shall be made by any person other than the applicant without his or her written consent, except that insertions may be made by the insurer, for administrative purposes only, in a manner to indicate clearly that the insertions are not to […]
§ 27-18-16. False statements in application. The falsity of any statement in the application for any policy covered by this chapter may not bar the right to recovery under the policy unless the false statement materially affected either the acceptance of the risk or the hazard assumed by the insurer. History of Section.P.L. 1956, ch. […]
§ 27-18-17. Acts not constituting waiver of insurer’s defenses. The acknowledgment by an insurer of the receipt of notice given under any policy covered by this chapter, the furnishing of forms for filing proofs of loss, or the acceptance of those proofs, or the investigation of any claim under the policy, shall not operate as […]
§ 27-18-18. Acceptance of premiums after effective period of policy. If a 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 the date falls within a period for which a premium is accepted by the insurer or […]
§ 27-18-19. Insurance exempt from chapter. Nothing in the chapter shall apply to or affect: (1) Any policy of workers’ compensation insurance or any policy of liability insurance with or without supplementary expense coverage in the policy; (2) Any policy or contract of reinsurance; or (3) [Deleted by P.L. 2017, ch. 196, § 4 and […]
§ 27-18-2. Form of policy. No policy of accident and sickness insurance shall be delivered or issued for delivery to any person in this state unless: (1) The entire money and other considerations for it are expressed in the policy; (2) The time at which the insurance takes effect and terminates is expressed in the […]
§ 27-18-2.1. Uniform explanation of benefits and coverage. (a) A health insurance carrier shall provide a summary of benefits and coverage explanation and definitions to policyholders and others required by, and at the times and in the format required, by the federal regulations adopted under section 2715 [42 U.S.C. § 300gg-15] of the Public Health […]
§ 27-18-20. Penalties for violations. Any person, partnership, or corporation willfully violating any provision of this chapter or order of the commissioner made in accordance with this chapter shall forfeit to the people of the state a sum not to exceed one hundred dollars ($100) for each violation, which may be recovered by a civil […]
§ 27-18-21. Appeals from commissioner. Any order or decision of the commissioner under this chapter shall be subject to appeal to the superior court at the instance of any party in interest. The filing of the appeal shall operate as a stay of the order or decision until the court directs otherwise. The court may […]
§ 27-18-22. Effect on other law. Nothing in this chapter shall be construed to repeal the provisions of chapter 13.1 of this title. History of Section.P.L. 1956, ch. 3808, § 12; G.L. 1956, § 27-18-22; P.L. 2002, ch. 292, § 35.
§ 27-18-23. Severability. If any provision of this chapter, or the application of a provision to any person or circumstances, is held invalid, the remainder of the chapter, and the application of the provision to persons or circumstances other than those as to which it is held invalid, shall not be affected by that invalidity. […]
§ 27-18-24. Immunity of benefits from process. The proceeds, avails, and benefits to be paid by virtue of any policy of accident and sickness insurance shall not be liable to attachment, garnishment, or other process, or be seized, taken, appropriated, or applied by any legal or equitable process or operation of law to pay any […]
§ 27-18-25. Unfair discrimination prohibited. Notwithstanding any provision of any policy of insurance, certificate, or service contract issued in this state, whenever the insurance policy, certificate, or service contract provides for reimbursement for any services that may be legally performed by any person licensed under the provisions of chapters 29, 30, 35 and 37 of […]
