Supplementary and Short-Term Health Insurance Minimum Standards Model Act

What this document is

Supplementary and Short-Term Health Insurance Minimum Standards Model Act is a naic model law published by National Association of Insurance Commissioners (NAIC). It is one of the documents that insurance license exam questions are written from, including 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.

• NAIC Model #170: Section 3 (Definitions)

  ““Hospital indemnity or other fixed indemnity insurance” refers to coverage that provides benefits on an independent, non-coordinated basis and that pays a fixed amount for specified events without regard to other insurance.”

• NAIC Model #170: Section 6 (Disclosure Requirements)

  “The notice also shall provide information advising the consumer to review and check the policy to understand what the policy covers and does not cover and the possibility that if coverage expires or eligibility for coverage under the policy is lost, the consumer may have to wait until an open...”

• NAIC Model 170: Section 5D (Combination of Coverage Categories)

  “This section does not preclude the issuance of a policy or contract that combines two (2) or more of the categories of coverage enumerated in Subsection B or C.”

• NAIC Model 170: Section 6H (Outline of Coverage Contents)

  “(4) A statement of the renewal provisions including any reservation by the insurer of a right to change premiums;”

• NAIC Model 170: Section 7A (Preexisting Conditions)

  “the policy shall cover any loss occurring after twelve (12) months from any preexisting condition not specifically excluded from coverage by terms of the policy, and except as so provided, the policy or certificate shall not include wording that would permit a defense based upon preexisting conditions.”

• NAIC Supplementary and Short-Term Health Insurance Minimum Standards Model Act § 3.I (definition of short-term, limited-duration insurance)

  ““Short-term, limited-duration insurance” means health insurance coverage offered or provided within the state pursuant to a contract by a health carrier, regardless of the situs of the delivery of the contract, that has an expiration date specified in the contract that is less than [X days or...”

• NAIC Supplementary and Short-Term Health Insurance Minimum Standards Model Act § 6.B (outline of coverage delivery in producer sales)

  “If the sale of a policy described in Subsection A occurs through an insurance producer, the outline of coverage shall be delivered to the applicant at the time of application or to the certificateholder at the time of enrollment.”

• NAIC Supplementary and Short-Term Health Insurance Minimum Standards Model Act § 6.K (short-term, limited-duration coverage enrollment notice)

  “For short-term, limited-duration coverage, an insurer shall display prominently in the application materials provided in connection with enrollment a notice providing information that this coverage is not required to comply with federal requirements for health insurance, principally the...”

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Questions about this source

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