Ala. Admin. Code r. 482-1-079-.09 - Filing, Approval Of Forms

Every contract, rider, endorsement, certificate, application or other form to be used or issued must be filed by the HMO for approval by the Commissioner.

The Commissioner shall disapprove any form, or withdraw previous approval thereof if the form:

(1) In any respect is in violation of or fails to comply with the provisions of Sections 27-21A-1 et seq. Code of Ala. 1975, other applicable Alabama statutes, or these chapters.

(2) Contains, or incorporates by reference, any inconsistent, ambiguous or misleading words or phrases, or exceptions and conditions which deceptively affect the risk to be assured under the contract.

(3) Has any title, heading or other indication of its provisions which is misleading.

(4) Is printed or reproduced so as not to be fully legible.

(5) Provides for charges which are excessive, inadequate or unfairly discriminatory.

(6) Contains provisions which are unfair, inequitable, frivolous or contrary to the public policy of this State, or which encourage or lend themselves to misrepresentation.

Author: Commissioner of Insurance

Notes

Ala. Admin. Code r. 482-1-079-.09

New Rule: Filed April 22, 1987; effective May 8, 1987. Filed for codification in the Alabama Administrative Code by the Department of Insurance on April 23, 2004, pursuant to the Code of Ala. 1975, § 27-7-43.

Statutory Authority: Code of Ala. 1975, §§ 27-2-17, 27-21A-19.