N.H. Code Admin. R. Ins 1901.06 - Accident and Health Minimum Standards for Benefits

The following minimum standards for benefits are prescribed for the categories of coverage noted in the following subsections. An individual accident and health insurance policy or group supplemental health insurance policy shall not be delivered or issued for delivery in this state unless it meets the required minimum standards for the specified categories or the commissioner finds that the policies or contracts are approvable as limited benefit health insurance and the outline of coverage complies with the outline of coverage in Ins 1901.07(l) of this part.

This section shall not preclude the issuance of any policy or contract combining 2 or more categories set forth in RSA 415-A:3 I. and II.

(a) General rules.

(1) A "noncancellable," "guaranteed renewable," or "noncancellable and guaranteed renewable" individual accident and health policy shall not provide for termination of coverage of the spouse solely because of the occurrence of an event specified for termination of coverage of the insured, other than nonpayment of premium. In addition, the policy shall provide that in the event of the insured's death, the spouse of the insured, if covered under the policy, shall become the insured.

(2) The terms "noncancellable," "guaranteed renewable," or "noncancellable and guaranteed renewable" shall not be used without further explanatory language in accordance with the disclosure requirements of Ins 1901.07(a)(1); and

a. The terms "noncancellable" or "noncancellable and guaranteed renewable" shall be used only in accident and health policy or certificate that the insured has the right to continue in force by the timely payment of premiums set forth in the policy or certificate until the age of 65 or until eligibility for Medicare, during which period the insurer has no right to make unilaterally any change in any provision of the policy while the policy is in force.

b. An accident and health or accident-only policy or certificate that provides for periodic payments, weekly or monthly, for a specified period during the continuance of disability resulting from accident or sickness shall provide that the insured has the right to continue the policy only to age 60 if, at age 60, the insured has the right to continue the policy in force at least to age 65 while actively and regularly employed.

c. Except as provided above, the term "guaranteed renewable" shall be used only in a policy or certificate that the insured has the right to continue in force by the timely payment of premiums until the age of 65 or until eligibility for Medicare, during which period the insurer has no right to make unilaterally any change in any provision of the policy while the policy is in force, except that the insurer may make changes in premium rates by classes.

(3) In an individual accident and health policy or certificate covering both husband and wife, the age of the younger spouse shall be used as the basis for meeting the age and durational requirements of the definitions of "noncancellable" or "guaranteed renewable." However, this requirement shall not prevent termination of coverage of the older spouse upon attainment of the stated age so long as the policy may be continued in force as to the younger spouse to the age or for the durational period as specified in the policy.

(4) When accidental death and dismemberment coverage is part of the accident and health insurance coverage offered under the contract, the insured shall have the option to include all insureds under the coverage and not just the principal insured.

(5) If a policy contains a status-type military service exclusion or a provision that suspends coverage during military service, the policy shall provide, upon receipt of written request, for refund of premiums as applicable to the person on a pro rata basis.

(6) In the event the insurer cancels or refuses to renew, policies or certificates providing pregnancy benefits shall provide for an extension of benefits as to pregnancy commencing while the policy is in force and for which benefits would have been payable had the policy remained in force.

(7) Policies providing convalescent or extended care benefits following hospitalization shall not condition the benefits upon admission to the convalescent or extended care facility within a period of less than 14 days after discharge from the hospital.

(8) Accident and health insurance policies or certificates coverage[s] shall continue for a dependent child who is incapable of self-sustaining employment due to mental or physical handicap on the date that the child's coverage would otherwise terminate under the policy due to the attainment of a specified age for children and who is chiefly dependent on the insured for support and maintenance. The policy may require that within 31 days of the date the company receives due proof of the incapacity in order for the insured to elect to continue the policy in force with respect to the child, or that a separate converted policy be issued at the option of the insured or policyholder.

(9) A policy or certificate providing coverage for the recipient in a transplant operation shall also provide reimbursement for any medical expenses of a live donor to the extent that benefits remain and are available under the recipient's policy or certificate, after benefits for the recipient's own expenses have been paid.

(10) A policy may contain a provision relating to recurrent disabilities; but a provision relating to recurrent disabilities shall not specify that a recurrent disability be separated by a period greater than 6 months.

(11) Accidental death and dismemberment benefits shall be payable if the loss occurs within 90 days from the date of the accident, irrespective of total disability. Disability income benefits, if provided, shall not require the loss to commence less than 30 days after the date of accident, nor shall any policy that the insurer cancels or refuses to renew require that it be in force at the time the disability commences if the accident occurred while the coverage was in force.

(12) Specific dismemberment benefits shall not be in lieu of other benefits unless the specific benefit equals or exceeds the other benefits.

(13) An accident-only policy or certificate providing benefits that vary according to the type of accidental cause shall prominently set forth in the outline of coverage the circumstances under which benefits are payable that are lesser than the maximum amount payable under the policy.

(14) Termination of the policy or certificate shall be without prejudice to a continuous loss that commenced while the policy or certificate was in force. The continuous total disability of the insured may be a condition for the extension of benefits beyond the period the policy was in force, limited to the duration of the benefit period, if any, or payment of the maximum benefits.

(15) A policy or certificate providing coverage for fractures or dislocations shall not provide benefits only for "full or complete" fractures or dislocations.

(b) Basic Hospital Expense Coverage. "Basic hospital expense coverage" is a policy of accident and health insurance that provides coverage for a period of not less than 31 days during a continuous hospital confinement for each person insured under the policy, for expenses incurred for necessary treatment and services rendered as a result of accident or sickness for at least the following:

(1) Daily hospital room and board in an amount not less than the lesser of:

a. Eighty percent of the charges for semiprivate room accommodations or

b. One hundred dollars per day;

(2) Miscellaneous hospital services for expenses incurred for the charges made by the hospital for services and supplies that are customarily rendered by the hospital and provided for use only during any one period of confinement in an amount not less than either 80 percent of the charges incurred up to at least $3,000 or 10 times the daily hospital room and board benefits; and

(3) Hospital outpatient services consisting of:

a. Hospital services on the day surgery is performed,

b. Hospital services rendered within 72 hours after injury, in an amount not less than $150; and

c. X-ray and laboratory tests to the extent that benefits for the services would have been provided in an amount of less than $100 if rendered to an in-patient of the hospital.

(4) Benefits provided under paragraphs (1) and (2) of this subsection may be provided subject to a combined deductible amount not in excess of $100.

(c) Basic Medical-Surgical Expense Coverage. "Basic medical-surgical expense coverage" is a policy or certificate of accident and health insurance that provides coverage for each person insured under the policy for the expenses incurred for the necessary services rendered by a physician for treatment of an injury or sickness for at least the following:

(1) Surgical services:

a. In amounts not less than those provided on a fee schedule based on the relative values contained in the current edition of the Current Procedure Terminology (CPT) coding or other acceptable relative value schedule, up to a maximum of at least $1,000 for one procedure; or

b. Not less than 80 percent of the reasonable charges.

(2) Anesthesia services, consisting of administration of necessary general anesthesia and related procedures in connection with covered surgical service rendered by a physician other than the physician (or the physician assistant) performing the surgical services:

a. In an amount not less than 80 percent of the reasonable charges; or

b. Fifteen percent of the surgical service benefit.

(3) In-hospital medical services, consisting of physician services rendered to a person who is a bed patient in a hospital for treatment of sickness or injury other than that for which surgical care is required, in an amount not less than 80 percent of the reasonable charges, or $50 per day for not less than 21 days during one period of confinement.

(d) Basic Hospital/Medical-Surgical Expense Coverage. "Basic hospital/medical-surgical expense coverage" is a combined coverage and shall meet the requirements of both subsections (b) and (c).

(e) Hospital Confinement Indemnity Coverage.

(1) "Hospital confinement indemnity coverage" is a policy or certificate of accident and health insurance that provides daily benefits for hospital confinement on an indemnity basis in an amount not less than $40 per day and not less than 31 days during each period of confinement for each person insured under the policy.

(2) Coverage shall not be excluded due to a preexisting condition for a period greater than 12 months following the effective date of coverage of an insured person unless the preexisting condition is specifically and expressly excluded.

(3) Except for the NAIC uniform provision regarding other insurance with the insurer, benefits shall be paid regardless of other coverage.

(f) Major Medical Expense Coverage.

(1) "Major medical expense coverage" is an accident and health insurance policy or certificate that provides hospital, medical and surgical expense coverage, to an aggregate maximum of not less than $500,000; coinsurance percentage per year per covered person not to exceed 50% of covered charges, provided that the coinsurance out-of-pocket maximum after any deductibles shall not exceed $10,000 per year; a deductible stated on a per person, per family, per illness, per benefit period, or per year basis, or a combination of these bases not to exceed 5 percent of the aggregate maximum limit under the policy for each covered person for at least:

a. Daily hospital room and board expenses subject only to limitations based on average daily cost of the semiprivate room rate in the area where the insured resides;

b. Miscellaneous hospital services;

c. Surgical services;

d. Anesthesia services;

e. In-hospital medical services;

f. Out-of-hospital care, consisting of physicians' services rendered on an ambulatory basis where coverage is not provide elsewhere in the policy for diagnosis and treatment of sickness or injury, diagnostic x-ray, laboratory services, radiation therapy, and hemodialysis ordered by a physician; and

g. Not fewer than 3 of the following additional benefits:

1. In-hospital private duty registered nurse services;

2. Convalescent nursing home care;

3. Diagnosis and treatment by a radiologist or physiotherapist;

4. Rental of special medical equipment, as defined by the insurer in the policy;

5. Artificial limbs or eyes, casts, splints, trusses or braces;

6. Treatment for functional nervous disorders, and mental and emotional disorders; or

7. Out-of-hospital prescription drugs and medications.

(2) The minimum benefits required by (f)(1) above may be subject to all applicable deductible, coinsurance and general policy exceptions and limitations. A major medical expense policy may also have special or internal limitations for prescription drugs, nursing facilities, intensive care facilities, mental health treatment, alcohol or substance abuse treatment, transplants, experimental treatments, mandated benefits required by law and those services covered under (f)(l)g. above and other such special or internal limitations as are authorized or approved by the commissioner. Except as authorized by this subsection through the application of special or internal limitations, a major medical expenses policy shall be designed to cover, after any deductibles or coinsurance provisions are met, the usual, customary and reasonable charges, as determined consistently by the carrier and as subject to approval by the commissioner, or another rate agreed to between the insurer and provider, for covered services up to the lifetime policy maximum.

(g) Basic Medical Expense Coverage.

(1) "Basic medical expense coverage" is an accident and health insurance policy or certificate that provides hospital, medical and surgical expense coverage, to an aggregate maximum of not less than $250,000; coinsurance percentage per year per covered person not to exceed 50 percent of covered charges, provided that the coinsurance out-of-pocket maximum after any deductibles shall not exceed $25,000 per year; a deductible stated on a per person, per family, per illness, per benefit period, or per year basis, or a combination of these bases not to exceed 10 percent of the aggregate maximum limit under the policy for each covered person for at least:

a. Daily hospital room and board expenses subject only to limitations based on average daily cost of the semiprivate room rate in the area where the insured resides or such other rate agreed to between the insurer and provider for a period of not less than 31 days during continuous hospital confinement;

b. Miscellaneous hospital services;

c. Surgical services;

d. Anesthesia services;

e. In-hospital medical services;

f. Out-of-hospital care, consisting of physicians' services rendered on an ambulatory basis where coverage is not provided elsewhere in the policy for diagnosis and treatment of sickness or injury, diagnostic x-ray, laboratory services, radiation therapy and hemodialysis ordered by a physician; and

g. Not fewer than 3 of the following additional benefits:

1. In-hospital private duty graduate registered nurse services;

2. Convalescent nursing home care;

3. Diagnosis and treatment by a radiologist or physiotherapist;

4. Rental of special medical equipment, as defined by the insurer in the policy.

5. Artificial limbs or eyes, casts, splints, trusses or braces;

6. Treatment for functional nervous disorders, and mental and emotional disorders; or

7. Out-of-hospital prescription drugs and medications.

(2) The minimum benefits required by (g)(1) above may be subject to all applicable deductibles, coinsurance and general policy exceptions and limitations. A basic medical expense policy or certificate may also have special or internal limitations for prescription drugs, nursing facilities, intensive care facilities, mental health treatment, alcohol or substance abuse treatment, transplants, experimental treatments, mandated benefits required by law and those services covered under (g)(1)g. above and other such special or internal limitations as are authorized or approved by the commissioner. Except as authorized by this subsection through the application of special or internal limitations, an individual basic medical expense policy shall be designed to cover, after any deductibles or coinsurance provisions are met, the usual customary and reasonable charges, as determined consistently by the carrier and as subject to approval by the commissioner, or another rate agreed to between the insurer and provider, for covered services up to the lifetime policy maximum.

(h) Disability Income Protection Coverage. "Disability income protection coverage" is a policy or certificate that provides for periodic payments, weekly or monthly, for a specified period during the continuance of disability resulting from either sickness or injury or a combination of them that:

(1) Provides that period payments that are payable at ages after 62 and reduced solely on the basis of age are at least 50 percent of amounts payable immediately prior to 62;

(2) Contains an elimination period no greater than:

a. Ninety days in the case of a coverage providing a benefit of one year or less;

b. One hundred and eighty days in the case of coverage providing a benefit of more than one year but not greater than 2 years; or

c. Three hundred sixty five days in all other cases during the continuance of disability resulting from sickness or injury;

(3) Has a maximum period of time for which it is payable during disability of at least 6 months except in the case of a policy covering disability arising out of pregnancy, childbirth or miscarriage in which case the period for the disability may be one month. No reduction in benefits shall be put into effect because of an increase in social security or similar benefits during a benefit period. Ins 1901.06(h) does not apply to those policies providing business buy-out coverage;

(4) Where a policy provides total disability benefits and partial disability benefits, only one elimination period may be required.

(i) Accident Only Coverage. "Accident only coverage" is a policy or certificate that provides coverage, singly or in combination, for death, dismemberment, disability or hospital and medical care caused by accident. Accidental death and double dismemberment amounts under the policy shall be at least $1,000 and a single dismemberment amount shall be at least $500.

(j) Specified Disease Coverage.

(1) "Specified disease coverage" pays benefits for the diagnosis and treatment of a specifically named disease or diseases. A specified disease policy shall meet the following rules and one of the following sets of minimum standards for benefits:

a. Insurance covering cancer only or cancer in conjunction with other conditions or diseases shall meet the standards of paragraphs (4), (5) or (6) of this subsection.

b. Insurance covering specified diseases other than cancer shall meet the standards of paragraphs (3) and (6) of this subsection.

(2) General Rules. Except for cancer coverage provided on an expense-incurred basis, either as cancer-only coverage or in combination with one or more other specified diseases, the following rules shall apply to specified disease coverages in addition to all other rules imposed by this part. In cases of conflict between the following and other rules, the following shall govern:

a. Policies covering a single specified disease or combination of specified diseases shall not be sold or offered for sale other than as specified disease coverage under this section.

b. Any policy issued pursuant to this section that conditions payment upon pathological diagnosis of a covered disease shall also provide that if the pathological diagnosis is medically inappropriate, a clinical diagnosis will be accepted instead.

c. Notwithstanding any other provision of this part, specified disease policies shall provide benefits to any covered person not only for the specified diseases but also for any other conditions or diseases, directly caused or aggravated by the specified diseases or the treatment of the specified disease.

d. Individual accident and health policies containing specified disease coverage shall be at least guaranteed renewable.

e. No policy issued pursuant to this section shall contain a waiting or probationary period greater than 30 days. A specified disease policy may contain a waiting or probationary period following the issue or reinstatement date of the policy or certificate in respect to a particular covered person before the coverage becomes effective as to that covered person.

f. An application or enrollment form for specified disease coverage shall contain a statement above the signature of the applicant or enrollee that a person to be covered for specified disease is not covered also by any Title XIX program (Medicaid, MediCal or any similar name). The statement may be combined with any other statement for which the insurer may require the applicant's or enrollee's signature.

g. Payments shall be conditioned upon an insured person's receiving medically necessary care, given in a medically appropriate location, under a medically accepted course of diagnosis or treatment.

h. Except as otherwise specifically provided by statute, benefits for specified disease coverage shall be paid regardless of other coverage.

i. After the effective date of the coverage (or applicable waiting period, if any) benefits shall begin with the first day of care or confinement if the care or confinement is for a covered disease even though the diagnosis is made at some later date. The retroactive application of the coverage shall not be less than 90 days prior to the diagnosis.

j. Policies providing expenses benefits shall not use the term "actual" when the policy only pays up to a limited amount of expenses. Instead, the term "charge" or substantially similar language shall be used that does not have misleading or deceptive effect of the phrase "actual charges".

k. "Preexisting condition" shall not be defined to be more restrictive than the following: "Preexisting condition means a condition for which medical advice, diagnosis, care or treatment was recommended or received from a physician within the 6 month period preceding the effective date of coverage of an insured person."

l. Coverage for specified diseases shall not be excluded due to a preexisting condition for a period greater than 6 months following the effective date of coverage of an insured person unless the preexisting condition is specifically excluded.

m. Hospice Care.

1. "Hospice" means a facility licensed, certified or registered in accordance with state law that provides a formal program of care that is:

(i) For terminally ill patients whose life expectancy is less than 6 months;

(ii) Provided on an inpatient or outpatient basis; and

(iii) Directed by a physician.

2. Hospice care is an optional benefit. However, if a specified disease insurance product offers coverage for hospice care, it shall meet the following minimum standards:

(i) Eligibility for payment of benefits when the attending physician of the insured provides a written statement that the insured person has a life expectancy of 6 months or less;

(ii) A fixed-sum payment of at least $50 per day; and

(iii) A lifetime maximum benefit limit of at least $10,000.

3. Hospice care does not cover nonterminally ill patients who may be confined in a:

(i) Convalescent home;

(ii) Rest or nursing facility;

(iii) Skilled nursing facility;

(iv) Rehabilitation unit; or

(v) Facility providing treatment for persons suffering from mental diseases or disorders or care for the aged or substance abusers.

(3) The following minimum benefits standards apply to non-cancer coverages:

a. Coverage for each insured person for a specifically named disease (or diseases) with a deductible amount not in excess of $250 and an overall aggregate benefit limit of no less than $10,000 and a benefit period of not less than 2 years for at least the following incurred expenses:

1. Hospital room and board and any other hospital furnished medical services or supplies;

2. Treatment by a legally qualified physician or surgeon;

3. Private duty services of a registered nurse (R.N.);

4. X-ray, radium and other therapy procedures used in diagnosis and treatment;

5. Professional ambulance for local service to or from a local hospital;

6. Blood transfusions, including expense incurred for blood donors;

7. Drugs and medicines prescribed by a physician;

8. The rental of an iron lung or similar mechanical apparatus;

9. Braces, crutches and wheelchairs as are deemed necessary by the attending physician for the treatment of the disease;

10. Emergency transportation if in the opinion of the attending physician it is necessary to transport the insured to another locality for treatment of the disease; and

11. May include coverage of any other expenses necessarily incurred in the treatment of the disease.

b. Coverage for each insured person for a specifically named disease (or diseases) with no deductible amount, and an overall aggregate benefit limit of not less than $25,000 payable at the rate of not less than $50 a day while confined in a hospital and a benefit period of not less than 500 days.

(4) A policy that provides coverage for each insured person for cancer-only coverage or in combination with one or more other specified diseases on an expense incurred basis for services, supplies, care and treatment of cancer, in amounts not in excess of the usual and customary charges, with a deductible amount not in excess of $250, and an overall aggregate benefit limit of not less than $10,000 and a benefit period of not less than 3 years shall provide at least the following minimum provisions:

a. Treatment by, or under the direction of, a legally qualified physician or surgeon;

b. X-ray, radium chemotherapy and other therapy procedures used in diagnosis and treatment;

c. Hospital room and board and any other hospital furnished medical services or supplies;

d. Blood transfusions and their administration, including expense incurred for blood donors;

e. Drugs and medicines prescribed by a physician;

f. Professional ambulance for local service to or from a local hospital;

g. Private duty services of a registered nurse provided in a hospital;

h. May include coverage of any other expenses necessarily incurred in the treatment of the disease; however, subparagraphs a., b., d., e. and g. plus at least the following also shall be included, but may be subject to copayment by the insured person not to exceed 20 percent of covered charges when rendered on an out-patient basis;

i. Braces, crutches and wheelchairs deemed necessary by the attending physician for the treatment of the disease;

j. Emergency transportation if in the opinion of the attending physician it is necessary to transport the insured to another locality for treatment of the disease; and

k. Home health care that is necessary care and treatment provided at the insured person's residence by a home health care agency or by others. The program of treatment shall be prescribed in writing by the insured person's attending physician, who shall approve the program prior to its start. The physician shall certify that hospital confinement would be otherwise required.

1. A "home health care agency":

(i) Is an agency approved under Medicare, or

(ii) Is licensed to provide home health care under applicable state law, or

(iii) Meets all of the following requirements:

i. It is primarily engaged in providing home health care services;

ii. Its policies are established by a group of professional personnel including at least one physician and one registered nurse;

iii. A physician or a registered nurse provides supervision of home health care services;

iv. It maintains clinical records on all patients; and

v. It has a full time administrator.

2. Home health includes, but is not limited to:

(i) Part-time or intermittent skilled nursing services provided by a registered nurse or a licensed practical nurse;

(ii) Part-time or intermittent home health aide services that provide support services in the home under the supervision of a registered nurse or a physical, speech or hearing occupational therapists;

(iii) Physical, occupational or speech and hearing therapy; and

(iv) Medical supplies, drugs and medicines prescribed by a physician and related pharmaceutical services, and laboratory services to the extent the charges or costs would have been covered if the insured person had remained in the hospital.

l. Physical, speech, hearing and occupational therapy;

m. Special equipment including hospital bed, toilette, pulleys, wheelchairs, aspirator, chux, oxygen, surgical dressings, rubber shields, colostomy and eleostomy appliances;

n. Prosthetic devices including wigs and artificial breasts;

o. Nursing home care for noncustodial services; and

p. Reconstructive surgery when deemed necessary by the attending physician.

(5) The following minimum benefits standards apply to cancer coverages written on a per diem indemnity basis. These coverages shall offer insured persons:

a. A fixed-sum payment of at least $100 for each day of hospital confinement for at least 365 days;

b. A fixed-sum payment equal to one half the hospital inpatient benefit for each day of hospital or nonhospital outpatient surgery, chemotherapy and radiation therapy, for at least 365 days of treatment; and

c. A fixed-sum payment of at least $50 per day for blood and plasma, which includes their administration whether received as an inpatient or outpatient for at least 365 days of treatment.

(6) Benefits tied to confinement in a skilled nursing home or to receipt of home health care are optional. If a policy offers these benefits, they shall equal the following:

a. A fixed-sum payment equal to one-fourth the hospital inpatient benefit for each day of skilled nursing home confinement for at least 100 days.

b. A fixed-sum payment equal to one-fourth the hospital inpatient benefit for each day of home health care for at least 100 days.

c. Benefit payments shall begin with the first day of care or confinement after the effective date of coverage if the care or confinement is for a covered disease even though the diagnosis of a covered disease is made at some later date (but not retroactive more than 30 days from the date of diagnosis) if the initial care or confinement was for diagnosis or treatment of the covered disease.

d. Notwithstanding any other provisions of this part, any restriction or limitation applied to the benefits in (6)a. and (6)b. whether by definition or otherwise, shall be no more restrictive than those under Medicare.

(7) The following minimum standards apply to lump-sum indemnity coverage of any specified disease:

a. These coverages shall pay indemnity benefits on behalf of insured persons of a specifically named disease or diseases. The benefits are payable as a fixed, one-time payment made within 30 days of submission to the insurer of proof of diagnosis of the specified disease. Dollar benefits shall be offered for sale only in even increments of $1,000.

b. Where coverage is advertised or otherwise represented to offer generic coverage of a disease or diseases, the same dollar amounts shall be payable regardless of the particular subtype of the disease with one exception. In the case of clearly identifiable subtypes with significantly lower treatments costs, lesser amounts may be payable so long as the policy clearly differentiates that subtype and its benefits.

(k) Specified Accident Coverage. "Specified accident coverage" is a policy or certificate that provides coverage for a specifically identified kind of accident (or accidents) for each person insured under the policy for accidental death or accidental death and dismemberment combined, with a benefit amount not less than $1,000 for accidental death, $1,000 for double dismemberment, $500 for single dismemberment.

(l) Limited Benefit Health Coverage.

(1) "Limited benefit health coverage" is a policy, contract or certificate, other than a policy, contract, or certificate covering only a specified disease or diseases, that provides benefits that are less than the minimum standards for benefits required under (b), (c), (d), (e), (f), (g), (i) and (k). These policies, contracts or certificates may be delivered or issued for delivery in this state only if the outline of coverage required by Ins 1901.07(l) of this part is completed and delivered as required by Ins 1901.07(b) of this part and the policy or certificate is clearly labeled as a limited benefit policy or certificate as required by Ins 1901.07(a)(18). A policy covering a single specified disease or combination of diseases shall meet the requirements of (j) above and shall not be offered for sale as a "limited coverage."

Notes

N.H. Code Admin. R. Ins 1901.06

#1900, eff 1-1-82; ss by #4287, eff 7-1-87; amd by #4811, eff 5-4-90; ss by #5656, eff 7-1-93; ss by #7017, INTERIM, eff 7-1-99, EXPIRED: 10-29-99

New. #8609, eff 4-17-06