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Alaska Statutes Title 21 (Insurance), Chapter 51

Health Insurance Policies (AS 21.51.010 - 21.51.500)

Publisher: Alaska State Legislature, BASIS
Edition: Alaska Statutes 2025
Last checked: 2026-09-02
Status: AK statutes, public domain

Edition and licensing notes

Publisher. Alaska State Legislature, BASIS (akleg.gov)

Edition. Alaska Statutes 2025 (34th Legislature, 2025-2026)

Status. AK statutes, public domain (state government edict).

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What this document is

Alaska Statutes Title 21 (Insurance), Chapter 51 - Health Insurance Policies (AS 21.51.010 - 21.51.500) is a state statute published by Alaska State Legislature, BASIS (akleg.gov). It is one of the Alaska documents that insurance license exam questions are written from, including alaska life & health practice questions. This page summarizes it and points to the official version, which is the text to rely on.

Sections cited in practice questions

Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.

AS tit. 21, ch. 51 § 21.51.010 (Applicability)
“Nothing in this chapter applies to or affects (1) a policy of liability or workers’ compensation insurance with or without supplementary expense coverage; (2) a group or blanket policy;”
AS tit. 21, ch. 51 § 21.51.090 (Claim Forms)
“The insurer, within 10 working days after receipt of a notice of claim, will furnish to the claimant forms that are usually furnished by it for filing proofs of loss. If the forms are not furnished within 10 days after the giving of notice, the claimant shall be considered to have complied with the...”
AS tit. 21, ch. 51 § 21.51.040 (Entire Contract)
“This policy, including the endorsements and the attached papers, if any, constitutes the entire contract of insurance. No change in this policy shall be valid until approved by an executive officer of the insurer and unless the approval is endorsed hereon or attached hereto. No agent has authority...”
AS tit. 21, ch. 51 § 21.51.140 (Legal Actions)
“No action at law or in equity shall be brought to recover on this policy before the expiration of 60 days after written proof of loss has been furnished in accordance with the requirements of this policy. No action shall be brought after the expiration of three years after the written proof of loss...”
AS tit. 21, ch. 51 § 21.51.070(a) (Reinstatement)
“The reinstated policy shall cover only loss resulting from the accidental injury that may be sustained after the date of reinstatement and loss due to the sickness that may begin more than 10 days after that date.”
AS 21.51.050 (Time limit on certain defenses)
“There shall be a provision as follows: “Time Limit on Certain Defenses: (1) After three years from the date of issue of this policy no misstatements, except fraudulent misstatements, made by the applicant in the application for the policy shall be used to void the policy or to deny a claim for loss...”
AS 21.51.060 (Grace period)
“(a) There shall be a provision as follows: “Grace Period: A grace period of (insert a number not less than ‘7’ for weekly premium policies, ‘10’ for monthly premium policies and ‘31’ for all other policies) days will be granted for the payment of each premium falling due after the first premium,...”
AS 21.51.120(a) (Payment of claims)
“(a) A health insurance policy delivered or issued for delivery must contain the following provisions: (1) indemnity for loss of life shall be paid according to the beneficiary designation and payment provisions contained in the policy that are effective at the time of payment; if a beneficiary has...”
AS 21.51.320 (Age limit)
“If the policy contains a provision establishing, as an age limit or otherwise, a date after which the coverage provided by the policy will not be effective, and if the date falls within a period for which premium is accepted by the insurer or if the insurer accepts a premium after that date, the...”

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