Maine Revised Statutes Title 24-A Chapter 33: Health Insurance Contracts

What this document is

Maine Revised Statutes Title 24-A Chapter 33 - Health Insurance Contracts 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. Chapter 33 § 2703(7) (Scope, format of policy: charter and bylaws)

  “7. The policy shall contain no provision purporting to make any portion of the charter, rules, constitution or bylaws of the insurer a part of the policy unless such portion is set forth in full in the policy, except in the case of the incorporation of, or reference to, a statement of rates or...”

• 24-A M.R.S. Chapter 33 § 2716 (Change of beneficiary)

  “Change of beneficiary: Unless the insured makes an irrevocable designation of beneficiary, the right to change the beneficiary is reserved to the insured and the consent of the beneficiary or beneficiaries shall not be requisite to surrender or assignment of this policy or to any change of...”

• 24-A M.R.S. Chapter 33 § 2705 (Entire Contract; Changes)

  “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 hereto. No agent has authority to change this policy or to waive any of its provisions.”

• 24-A M.R.S. Chapter 33 § 2736-C(3)(A) (Guaranteed Issuance and Guaranteed Renewal)

  “Coverage must be guaranteed to all residents of this State other than those eligible without paying a premium for Medicare Part A. Coverage must be guaranteed to all legally domiciled federally eligible individuals, as defined in section 2848, regardless of the length of time they have been legally...”

• 24-A M.R.S. Chapter 33 § 2736-C(2) (Individual Health Plans: Rating Practices)

  “A carrier may not vary the premium rate due to the gender, health status, occupation or industry, claims experience or policy duration of the individual or any other rating factor not specified in this subsection. C. A carrier may vary the premium rate due to family membership. The premium rate for...”

• 24-A M.R.S. Chapter 33 § 2711 (Proofs of loss)

  “Proofs of loss: Written proof of loss must be furnished to the insurer at its said office in case of claim for loss for which this policy provides any periodic payment contingent upon continuing loss within 90 days after the termination of the period for which the insurer is liable and in case of...”

• 24-A M.R.S. Chapter 33 § 2718 (Optional policy provisions)

  “Except as provided in section 2704, subsection 2, no such policy delivered or issued for delivery to any person in this State shall contain provisions respecting the matters set forth in sections 2719 to 2728, unless such provisions are in the words in which the same appear in the applicable...”

• 24-A M.R.S. Chapter 33 § 2703(3) (Scope, format of policy: persons insured)

  “3. 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...”

• 24-A M.R.S. Chapter 33 § 2714 (Physical examination, autopsy)

  “Physical examination and autopsy: The insurer at its own expense shall have the right and opportunity to examine the person of the insured when and as often as it may reasonably require during the pendency of a claim hereunder and to make an autopsy in case of death where it is not forbidden by law.”

• 24-A M.R.S. Chapter 33 § 2729 (Renewability)

  “subject to the right to terminate the policy upon nonpayment of premium when due, such right to refuse renewal may not be exercised so as to take effect before the renewal date occurring on, or after and nearest, each policy anniversary (or in the case of lapse and reinstatement, at the renewal...”

• 24-A M.R.S. Chapter 33 § 2708 (Reinstatement)

  “The reinstated policy shall cover only loss resulting from such accidental injury as may be sustained after the date of reinstatement and loss due to such sickness as may begin more than ten days after such date.”

• 24-A M.R.S. Chapter 33 § 2706 (Time Limit on Certain Defenses)

  “After 3 years from the date of issue of this policy no misstatements, except fraudulent misstatements, made by the applicant in the application for such policy shall be used to void the policy or to deny a claim for loss incurred or disability, as defined in the policy, commencing after the...”

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