Transfer; Policy Provisions Required; Payment and Proceeds; Exemptions; Preexisting Condition Provisions

What this document is

California Insurance Code Div. 2, Pt. 2, Ch. 1, Arts. 2, 3, 4, 5 and 7 - Transfer; Policy Provisions Required; Payment and Proceeds; Exemptions; Preexisting Condition Provisions (Secs. 10129 through 10198.10) is a state statute published by California Legislative Counsel (leginfo.legislature.ca.gov). It is one of the California documents that insurance license exam questions are written from, including california 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.

• Cal. Ins. Code § 10176(b) (Acupuncture must be an express policy benefit)

  “Unless the policy or contract expressly includes acupuncture as a benefit, no person who is the holder of any license or certificate set forth in this section shall be paid or reimbursed under the policy for acupuncture.”

• Cal. Ins. Code § 10150 (Article 3 Inapplicability)

  “The provisions of this article shall not apply to annuities, industrial policies or to term contracts issued for periods of twenty years or less.”

• Cal. Ins. Code § 10198.8 (Application Regardless of Situs)

  “This article applies to all health benefit plans that provide benefits to residents of this state regardless of the situs of the contract or group master policyholder.”

• Cal. Ins. Code § 10151 (Automatic Nonforfeiture on Default of Premium)

  “shall provide, in event of default of any premium payment after three full annual premiums shall have been paid on such policy, that without any action on the part of the insured, the net value of such policy based upon the reserve basis used in computing the premiums and values thereunder (the...”

• Cal. Ins. Code § 10170(f) (Life Insurance Made Payable: Settlement Options)

  “Notwithstanding subdivision (e), all life insurance benefits shall be paid in the form of a lump-sum payment to the beneficiary or by another settlement option that is clearly described in the claim form. If the beneficiary is provided settlement options in addition to a lump-sum payment or a...”

• Cal. Ins. Code § 10152 (Cash Surrender in Lieu of Automatic Insurance; Deferral of Payment)

  “In lieu of the application of the provisions for automatic insurance upon nonpayment of premium the policy may be surrendered to the insurer at its home office, upon due application by the legal owner thereof, within one month after date of premium default for a specified cash value which shall be...”

• Cal. Ins. Code § 10178 (Charitable Research Hospital Claims)

  “No admitted insurer, union trust fund which administers health, medical, or surgical insurance, or employer which has an insurance company administering its health services program, shall deny, for the reason that the insured incurred no expense, a claim for hospital, medical or surgical services...”

• Cal. Ins. Code § 10176.4 (Chiropractor certifications of disability)

  “For purposes of establishing the fact of disability in credit disability insurance, disability insurance or life insurance, chiropractors’ certifications of disability when made within the scope of their license shall be accepted by insurers as equally valid as physicians and surgeons’...”

• Cal. Ins. Code § 10133.2 (Patient Copayment Under Alternative Rate Contracts)

  “When any disability insurer negotiates and enters into a contract with professional or institutional providers to provide services at alternative rates of payment of the type described in Sections 10133 and 11512 of the Insurance Code, the amount of patient copayment shall be calculated exclusively...”

• Cal. Ins. Code § 10177.9(b) (Dentist Degree Nondiscrimination)

  “Notwithstanding any other provision of law, no nonprofit hospital service plan or self-insured employee welfare benefit plan shall discriminate, with respect to employment, staff privileges, or the provision of, or contracts for, professional services, against a licensed dentist solely on the basis...”

• Cal. Ins. Code § 10172 (Payment in Accordance With Policy Discharges Insurer)

  “Notwithstanding Sections 751 and 1100 of the Family Code and Section 249.5 of the Probate Code, when the proceeds of, or payments under, a life insurance policy become payable and the insurer makes payment thereof in accordance with the terms of the policy, or in accordance with the terms of any...”

• Cal. Ins. Code § 10198.7(a) (Group Preexisting Condition Prohibition)

  “(a) A health benefit plan for group coverage shall not impose any preexisting condition provision or waivered condition provision upon any individual.”

Practice this material

Questions about this source

More California sources

• California Accident and Health Agent Examination Educational ObjectivesCandidate handbook or exam outline
• California Casualty License Examination ObjectivesCandidate handbook or exam outline
• California Life-Only Agent Examination Educational ObjectivesCandidate handbook or exam outline
• California Personal Lines License Examination ObjectivesCandidate handbook or exam outline
• California Property License Examination ObjectivesCandidate handbook or exam outline
• Cal. Ins. Code s. 790.03: Unfair methods of competition and unfair or deceptive acts definedState statute
• Cal. Ins. Code s. 1668: Grounds for license denial, suspension, or revocationState statute
• Cal. Ins. Code ss. 10350.2-10350.3: Individual disability policy required provisionsState statute