Insurance Law 3243 — Legislation

Legislation Search OpenLegislation Statutes Search Term Search icon Search previous SECTION 3242 Prescription drug coverage up ARTICLE 32 Insurance Contracts - Life, Accident and Health, Annuities next SECTION 3244 Explanation of benefits forms relating to claims under certain accident and health insurance policies Viewing most recent revision (from 2020-01-10) View historical revision as of: -- Choose a Date -- 2020-01-10 2019-04-19 Share Facebook Email SECTION 3243 Discrimination because of sex or marital status in hospital, surgical or medical expense insurance Insurance (ISC) CHAPTER 28, ARTICLE 32 § 3243. Discrimination because of sex or marital status in hospital, surgical or medical expense insurance. (a) With regard to an accident and health insurance policy that provides hospital, surgical, or medical expense coverage or a policy of student accident and health insurance, as defined in subsection (a) of section three thousand two hundred forty of this article, delivered or issued for delivery in this state, no insurer shall because of sex, marital status or based on pregnancy, false pregnancy, termination of pregnancy, or recovery therefrom, childbirth or related medical conditions: (1) make any distinction or discrimination between persons as to the premiums or rates charged for the policy or in any other manner whatever; (2) demand or require a greater premium from any person than it requires at that time from others in similar cases; (3) make or require any rebate, discrimination or discount upon the amount to be paid or the service to be rendered on any policy; (4) insert in the policy any condition, or make any stipulation, whereby the insured binds his or herself, or his or her heirs, executors, administrators or assigns, to accept any sum or service less than the full value or amount of such policy in case of a claim thereon except such conditions and stipulations as are imposed upon others in similar cases; and any such stipulation or condition so made or inserted shall be void; (5) reject any application for a policy issued or sold by it; (6) cancel or refuse to issue, renew or sell such policy after appropriate application therefor; (7) fix any lower rate or discriminate in the fees or commissions of insurance agents or insurance brokers for writing or renewing such a policy; or (8) engage in sexual stereotyping. (b) For the purposes of this section, "sex" shall include sexual orientation, gender identity or expression, and transgender status.