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:
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
(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:
(c) dependent children,
(d) any children under a specified age of 19 years or less, or
(e) any other person dependent upon the policyholder.
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 lowercase 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
, 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.
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
History: 1967 c 395 art 3 s 3; 1969 c 985 s 1; 1974 c 30 s 1; 1983 c 221 s 1