24-A M.R.S. Chapter 33, Secs. 2701 onward, selected: Health Insurance Contracts

What this document is

24-A M.R.S. Chapter 33 - Health Insurance Contracts (Secs. 2701 onward, selected) is a state statute published by Maine Legislature, Office of the Revisor of Statutes (legislature.maine.gov). It is one of the Maine documents that insurance license exam questions are written from, including maine 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.

• 24-A M.R.S. § 2705 (Entire Contract; Changes)

  “Entire contract; changes: 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 such approval be endorsed hereon or attached...”

• 24-A M.R.S. § 2719 (Change of Occupation)

  “If the insured be injured or contract sickness after having changed the insured's occupation to one classified by the company as more hazardous than that stated in this policy or while doing for compensation anything pertaining to an occupation so classified, the insurer will pay only such portion...”

• 24-A M.R.S. § 2701 (Scope of chapter)

  “Nothing in this chapter shall apply to or affect: 1. Any policy of liability or workers' compensation insurance with or without supplementary expense coverage therein;”

• 24-A M.R.S. § 2710 (Claim Forms)

  “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...”

• 24-A M.R.S. § 2703(3) (Scope, Format of Policy; Persons Insured)

  “It shall purport to insure only one person, except that a policy may insure, originally or by subsequent amendment, upon the application of an adult member of a family, who shall be deemed the policyholder, any 2 or more eligible members of that family, including husband, wife, dependent children...”

• 24-A M.R.S. § 2703 (Scope, format of policy)

  “6. Each such form, including riders and endorsements, shall be identified by a form number in the lower left-hand corner of the first page thereof;”

• 24-A M.R.S. § 2717 (Right to Examine and Return Policy)

  “Except as to nonrenewable accident policies and individual credit health insurance policies, every individual health insurance policy shall contain a provision therein or in a separate rider attached thereto when delivered, stating in substance that the person to whom the policy is issued shall be...”

• 24-A M.R.S. § 2707 (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, during which grace period the policy shall continue in force.”

• 24-A M.R.S. § 2715 (Legal Actions)

  “Legal actions: No action at law or in equity shall be brought to recover on this policy prior to the expiration of sixty days after written proof of loss has been furnished in accordance with the requirements of this policy. No such action shall be brought after the expiration of 3 years after the...”

• 24-A M.R.S. § 2720 (Misstatement of Age)

  “If the age of the insured has been misstated, all amounts payable under this policy shall be such as the premium paid would have purchased at the correct age.”

• 24-A M.R.S. § 2707 (Grace Period; Notice of Intent Not to Renew)

  “A policy in which the insurer reserves the right to refuse any renewal shall have, at the beginning of the above provision: Unless not less than 30 days prior to the premium due date the insurer has delivered to the insured or has mailed to the insured's last address as shown by the records of the...”

• 24-A M.R.S. § 2709 (Notice of Claim)

  “Notice of claim: Written notice of claim must be given to the insurer within 20 days after the occurrence or commencement of any loss covered by the policy, or as soon thereafter as is reasonably possible. Notice given by or on behalf of the insured or the beneficiary to the insurer at (insert the...”

Practice this material

Questions about this source

More Maine sources

• Me. Rev. Stat. tit. 24-A, s. 2152: Unfair methods; deceptive acts prohibitedState statute
• Me. Rev. Stat. tit. 24-A, s. 1420-A: Insurance producer licensing definitionsState statute
• Me. Rev. Stat. tit. 24-A, s. 2153: Misrepresentation; false advertising of policiesState statute
• Maine Revised Statutes Title 24-A Chapter 1 - General Definitions and ProvisionsState statute
• Maine Revised Statutes Title 24-A Chapter 17 - Agents, Brokers, Consultants and AdjustersState statute
• Maine Revised Statutes Title 24-A Chapter 21 - Unauthorized Insurers: Prohibitions, Process and AdvertisingState statute
• Maine Revised Statutes Title 24-A Chapter 23 - Trade Practices and FraudsState statute
• Maine Revised Statutes Title 24-A Chapter 27 - The Insurance ContractState statute