2000 Minnesota Statutes

     62A.03 General provisions of policy. 

    Subdivision 1.    Conditions.  No policy of individual 
 accident and sickness insurance may be delivered or issued for 
 delivery to a person in this state unless:  

    (1)   Premium.  The entire money and other 
 considerations therefor are expressed therein. 

    (2)   Time effective.  The time at which the insurance 
 takes effect and terminates is expressed therein. 

    (3)   One person.  It purports to insure only one 
 person, except that a policy may insure, originally or by 
 subsequent amendment, upon the application of an adult member of 
 a family deemed the policyholder, any two or more eligible 
 members of that family, including: 

    (a) husband, 

    (b) wife, 

    (c) dependent children, 

    (d) any children under a specified age of 19 years or less, 
 or 

    (e) any other person dependent upon the policyholder. 

    (4)   Appearance.  The style, arrangement, and overall 
 appearance of the policy 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 is plainly printed in 
 light-face type of a style in general use.  The type size must 
 be uniform and not less than ten point with a lower case 
 unspaced alphabet length not less than 120 point.  The "text"  
 includes all printed matter except the name and address of the 
 insurer, name or title of the policy, the brief description, if 
 any, the reference to renewal or cancellation by a separate 
 statement, if any, and the captions and subcaptions. 

    (5)   Description of policy.  The policy, on the first 
 page, indicates or refers to its provisions for renewal or 
 cancellation either in the brief description, if any, or by a 
 separate statement printed in type not smaller than the type 
 used for captions or a separate provision bearing a caption 
 which accurately describes the renewability or cancelability of 
 the policy. 

    (6)   Exceptions in policy.  The exceptions and 
 reductions of indemnity are set forth in the policy and, except 
 those which are set forth in section 62A.04, printed, at the 
 insurer's option, either with the benefit provision to which 
 they apply, or under an appropriate caption such as "EXCEPTIONS" 
 or "EXCEPTIONS AND REDUCTIONS."  However, if an exception or 
 reduction specifically applies only to a particular benefit of 
 the policy, a statement of the exception or reduction must be 
 included with the benefit provision to which it applies. 

    (7)   Form number.  Each form, including riders and 
 endorsements, is identified by a form number in the lower left 
 hand corner of the first page thereof. 

    (8)   No incorporation by reference.  It contains no 
 provision purporting to make any portion of the charter, rules, 
 constitution, or bylaws of the insurer a part of the policy 
 unless the portion is set forth in full in the policy, except in 
 the case of the incorporation of, or reference to, a statement 
 of rates, classification of risks, or short rate table filed 
 with the commissioner. 

    (9)   Medical benefits.  If the policy contains a 
 provision for medical expense benefits, the term "medical 
 benefits" or similar terms as used therein includes treatments 
 by all licensed practitioners of the healing arts unless, 
 subject to the qualifications contained in clause (10), the 
 policy specifically states the practitioners whose services are 
 covered. 

    (10)   Osteopath, optometrist, chiropractor, or registered 
 nurse services.  With respect to any policy of individual 
 accident and sickness insurance issued or entered into 
 subsequent to August 1, 1974, notwithstanding the provisions of 
 the policy, if it contains a provision providing for 
 reimbursement for any service which is in the lawful scope of 
 practice of a duly licensed osteopath, optometrist, 
 chiropractor, or registered nurse meeting the requirements of 
 section 62A.15, subdivision 3a, the person entitled to benefits 
 or person performing services under the policy is entitled to 
 reimbursement on an equal basis for the service, whether the 
 service is performed by a physician, osteopath, optometrist, 
 chiropractor, or registered nurse meeting the requirements of 
 section 62A.15, subdivision 3a, licensed under the laws of this 
 state. 

    Subd. 2.    Delivery of policy 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 such other state shall have advised the 
 commissioner that any such policy is not subject to approval or 
 disapproval by such official, the commissioner may by ruling 
 require that such policy meet the standards set forth in 
 subdivision 1 and in section 62A.04. 

    HIST: 1967 c 395 art 3 s 3; 1969 c 985 s 1; 1974 c 30 s 1; 
 1983 c 221 s 1