Health and Accident Insurance Policy Provisions (La. R.S. 22:971 through 22:995): Louisiana Insurance Code

What this document is

Louisiana Insurance Code - Health and Accident Insurance Policy Provisions (La. R.S. 22:971 through 22:995) is a state statute published by Louisiana State Legislature (legis.la.gov). It is one of the Louisiana documents that insurance license exam questions are written from, including louisiana 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.

• La. R.S. tit. 22 § 975(A)(3) (Required Provisions; Notice of Claim)

  “Such notice given by or on behalf of the insured or the beneficiary to the insurer at the location of such office as the insurer may designate for that purpose, or to any authorized agent of the insurer, with information sufficient to identify the insured, shall be deemed notice to the insurer....”

• La. R.S. tit. 22 § 975(A)(11) (Required Provisions; Legal Action)

  “No legal action shall be brought to recover on this policy prior to the expiration of sixty days after proof of loss has been filed in accordance with the requirements of this policy. No legal action shall be brought after the expiration of one year after the time proof of loss is required to be filed.”

• La. R.S. tit. 22 § 975(A)(13)(b) (Required Provisions; Time Limit on Certain Defenses)

  “No claim for loss incurred or disability, as defined in the policy, commencing after three years from the date of issue of this policy shall be reduced or denied on the ground that a disease or physical condition not excluded from coverage by name or specific description effective on the date of...”

• La. R.S. tit. 22 § 979 (Covered Claim; Prohibition of Cancellation)

  “No health and accident insurer may unilaterally cancel a policy of insurance except for nonpayment of premiums, increase the premium for such policy, or reduce the benefits provided by such insurance policy after receipt or notice of any covered claim.”

• La. R.S. tit. 22 § 985 (Notice; Waiver)

  “The acknowledgement by any insurer of the receipt of notice given under any policy covered by this Subpart or the furnishing of forms for filing proofs of loss, or the acceptance of such proofs, or the investigation of any claim shall not operate as a waiver of any of the rights of the insurer in...”

• La. R.S. tit. 22 § 977(B) (Cancellation by insurer and grace period; individual health and accident policies; lapse notice)

  “B. Whenever an insurer issues an individual accident and health policy and does not receive a premium payment fifteen days prior to the end of the grace period, the insurer shall mail, by first class mail, a notice to the policyholder. The notice shall state that if the premium has not been paid by...”

• La. R.S. tit. 22 § 973(7)(a) (Form of policy; examination notice and surrender for deceptive solicitation)

  “(7)(a) There is prominently printed on or attached, a notice to the insured that ten days are allowed, from the date of his receipt of the policy, to examine its provisions. If such policy was solicited by deceptive advertising or negotiated by deceptive, misleading, or untrue statements of the...”

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More Louisiana sources

• La. R.S. 22:1964: Methods, acts, and practices defined as unfair or deceptiveState statute
• La. R.S. Title 22, insurance contract and standard policy provisions: 22:861, 862, 863, 865, 866, 867, 884, 931, 942, 951 and 977State statute
• Louisiana Insurance Code - Group, Family Group, Blanket and Association Health and Accident Insurance (La. R.S. 22:978, 1000, 1003, 1003.1, 1024, 1025, 1045, 1046, 1061-1071)State statute
• Louisiana Insurance Code - Group Life Insurance (La. R.S. 22:941 through 22:945)State statute
• Louisiana Insurance Code - The Insurance Contract; Provisions Applicable to All Insurers (La. R.S. 22:851 through 22:890)State statute
• Louisiana Insurance Code - Life Insurance Policies and Annuity Contracts (La. R.S. 22:901-919, 22:931-936, 22:951-961)State statute
• Louisiana Life and Health Insurance Guaranty Association Law (La. R.S. 22:2081 through 22:2099)State statute
• Louisiana Insurance Code - Medicare Supplement Minimum Standards and Long-Term Care Insurance (La. R.S. 22:1111, 22:1112, and 22:1181 through 22:1191)State statute