"Health Insurance" for the purpose of this
Regulation shall include the following:
Health Insurance as defined in Title 24-A, M.R.S.A., Chapter 9, Section 704, is
insurance of human beings against bodily injury, disablement or death by
accident or accidental means, or the expense thereof, or against disablement or
expense resulting from sickness, and every insurance appertaining
2. Nonprofit hospital or
medical service plans.
An "advertisement" for the purpose of this Regulation shall include:
1. Printed and published material, audio
visual material, and descriptive literature of an insurer used in direct mail,
newspapers, magazines, radio and TV scripts, billboards and similar displays;
2. Descriptive literature and
sales aids of all kinds issued by an insurer for presentation to members of the
insurance buying public including but not limited to circulars, leaflets,
booklets, depictions, illustrations and form letters; and
3. Prepared sales talks, presentations and
material for use by agents and brokers and representations made by agents and
brokers in accordance therewith.
C. "Policy" for the purpose of this
Regulation means the written contract of or written agreement for or effecting
Health Insurance as defined herein, by whatever name called, and including all
clauses, riders, endorsements and papers which are a part thereof.
D. "Insurer" for the purpose of this
Regulation means every person engaged as principal and as indemnitor, surety or
contractor in the business of entering into contracts of Health Insurance as
defined herein, by whatever name called.
E. "Premium" for the purpose of this
Regulation shall mean the consideration for Health Insurance as defined herein,
by whatever name called. Any "assessment", or any "membership", "policy",
"survey", "inspection", "service" or similar fee or other charge in
consideration for an insurance contract is deemed part of the
F. This Regulation shall
also apply to agents and brokers to the extent that they are responsible for
the advertisement of any policy.