Alabama Disability (Accident and Health) Insurance Policy Provisions

What this document is

Alabama Disability (Accident and Health) Insurance Policy Provisions - Ala. Code Title 27, Chapter 19, Article 1, General Provisions (§§ 27-19-1 through 27-19-39) is a state statute published by alison.legislature.state.al.us. It is one of the Alabama documents that insurance license exam questions are written from, including alabama 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.

• Ala. Code tit. 27 § 27-19-9 (Mandatory Policy Provisions - Claim Forms)

  “The insurer, upon receipt of a notice of claim, will furnish to the claimant such forms as are usually furnished by it for filing proofs of loss. If such forms are not furnished within 15 days after the giving of such notice, the claimant shall be deemed to have complied with the requirements of...”

• Ala. Code tit. 27 § 27-19-10 (Mandatory Policy Provisions - Proofs of Loss)

  “Failure to furnish such proof within the time required shall not invalidate nor reduce any claim if it was not reasonably possible to give proof within such time, provided such proof is furnished as soon as reasonably possible and in no event, except in the absence of legal capacity, later than one...”

• Ala. Code tit. 27 § 27-19-28(a) (Exclusion of Hospitalization Benefits for Mental Patients in Tax-Supported Institutions)

  “No policy of health, sickness, or accident insurance delivered, or issued for delivery, in this state, including both individual and group policies, which provide coverage for psychiatric treatment or mental illness shall exclude hospitalization benefits for mental patients in tax-supported...”

• Ala. Code tit. 27 § 27-19-16 (Optional Policy Provisions - Generally)

  “Except as provided in subsection (b) of Section 27-19-3, no such policy delivered, or issued for delivery, to any person in this state shall contain provisions respecting the matters set forth in Sections 27-19-17 through 27-19-26 unless such provisions are in the words in which the same appear in...”

• Ala. Code tit. 27 § 27-19-11 (Mandatory Policy Provisions - Time of Payment of Claims)

  “Indemnities payable under this policy for any loss, other than loss for which this policy provides periodic payment, will be paid immediately upon receipt of due written proof of such loss.”

• Ala. Code § 27-19-31(a) (Renewability)

  “(a) Every individual policy of insurance providing hospital, medical, or surgical benefits in which an insurer reserves the right to refuse renewal on an individual basis shall provide, in substance, in a provision thereof, or in an endorsement thereon or in a rider attached thereto that, subject...”

• Ala. Code § 27-19-32 (Examination and Return of Policy)

  “Every individual disability insurance policy, except single premium nonrenewable policies or contracts, issued for delivery in the State of Alabama shall have printed thereon, or attached thereto, a notice stating in substance that the person to whom the policy is issued shall be permitted to...”

• Ala. Code § 27-19-38(a) (Coverage of Newly Born Children in Health Insurance Policies)

  “All individual and group health insurance policies providing coverage on an expense-incurred basis and individual and group service or indemnity type contracts issued by a nonprofit service corporation which provide coverage for a family member of the insured or subscriber shall, as to such family...”

• Ala. Code § 27-19-36 (Age Limit or Date for Termination of Coverage)

  “If any such 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 such date falls within a period for which premium is accepted by the insurer or if the insurer accepts a premium after such date,...”

• Ala. Code § 27-19-33 (Addition of Endorsements or Riders to Existing Policies)

  “Any insurer writing disability insurance policies may, with approval of the commissioner, add endorsements or riders to existing policies of such insurance, with or without increase in premium, provided there is shown separately on the endorsement or rider a stated premium charge for additional coverage.”

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Questions about this source

More Alabama sources

• Alabama Producer Examination Content Outline - Life and Health ExaminationsCandidate handbook or exam outline
• Alabama Producer Examination Content Outline - Property and Casualty ExaminationsCandidate handbook or exam outline
• Alabama Code § 27-12-6 - TwistingState statute
• Alabama Code Title 27, Chapter 19, Article 1 - Disability Insurance Policies (Secs. 27-19-1 to 27-19-22)State statute
• Alabama Group and Blanket Disability (Health) Insurance - Ala. Code Title 27, Chapter 20 (§§ 27-20-1 through 27-20-7)State statute
• Alabama Group Life Insurance - Ala. Code Title 27, Chapter 18 (§§ 27-18-1 through 27-18-16)State statute
• Alabama Insurance Contract, General Provisions - Ala. Code Title 27, Chapter 14 (§§ 27-14-1 through 27-14-32)State statute
• Alabama Life Insurance and Annuity Contracts - Ala. Code Title 27, Chapter 15 (Art. 1 General Provisions; Art. 2 Unclaimed Life Insurance Benefits Act; Art. 3 Standard Nonforfeiture Law for Life Insurance)State statute