Sickness and Accident Insurance

What this document is

Ohio Revised Code Chapter 3923 - Sickness and Accident Insurance (28 sections) is a state statute published by Ohio Legislative Service Commission, codes.ohio.gov (retrieved via an Internet Archive snapshot of the official site). It is one of the Ohio documents that insurance license exam questions are written from, including ohio 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.

• Ohio Rev. Code Chapter 3923 § 3923.011(C) (Accidental Death Defined)

  “(C) "Accidental death" means death by accident exclusively and independently of all other causes.”

• Ohio Rev. Code Chapter 3923 § 3923.14 (Alteration of Written Application)

  “No alteration of any written application for any such policy, by erasure, insertion, or otherwise, shall be made by any person other than the applicant without the written consent of said applicant, except that insertions may be made by the insurer, for administrative purposes only, in such manner...”

• Ohio Rev. Code Chapter 3923 § 3923.13(A) (Blanket Sickness and Accident Insurance: Common Carrier Group)

  “Under a policy issued to any common carrier, which shall be deemed the policyholder, covering a group defined as all persons who may become passengers on such common carrier;”

• Ohio Rev. Code Chapter 3923 § 3923.13 (Blanket Sickness and Accident Insurance: No Individual Application or Certificate)

  “An individual application is not required from a person covered under a blanket sickness or accident policy, nor is it necessary for the insurer to furnish each person a certificate.”

• Ohio Rev. Code Chapter 3923 § 3923.04(F) (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 fifteen days after the giving of such notice the claimant shall be deemed to have complied with the requirements...”

• Ohio Rev. Code Chapter 3923 § 3923.011 (Chapter Definitions Apply Unless the Policy Provides Otherwise)

  “As used in any policy of sickness and accident insurance delivered, issued for delivery, or used in this state, unless otherwise provided in the policy or in an indorsement thereon or in a rider attached thereto: (A) "Total disability" means inability to perform the duties of any gainful occupation...”

• Ohio Rev. Code Chapter 3923 § 3923.24(A)(2) (Continuing Coverage for Dependent Children)

  “(2) That attainment of the limiting age for dependent children shall not operate to terminate the coverage of a dependent child if the child is and continues to be both of the following: (a) Incapable of self-sustaining employment by reason of an intellectual disability or physical disability; (b)...”

• Ohio Rev. Code Chapter 3923 § 3923.21 (Prohibition Against Delivery of Policy on Disapproved Insurance Form)

  “If, after notice and hearing, the superintendent of insurance finds that any insurer, insurance agent, solicitor, or broker has delivered or issued for delivery or use in this state any policy of sickness and accident insurance on a form which has been disapproved by the superintendent of insurance...”

• Ohio Rev. Code Chapter 3923 § 3923.08 (Nonconflicting provisions permitted in policy)

  “Any domestic insurer may insert in any such policy issued for delivery in another state or foreign country, and governed by the laws thereof, any provision required by the laws of such other state or country applicable to such policy.”

• Ohio Rev. Code Chapter 3923 § 3923.04(A) (Entire Contract; Changes)

  “(A) A provision as follows: Entire contract; changes. This policy, including the indorsements 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...”

• Ohio Rev. Code Chapter 3923 § 3923.14 (False Statement in Application)

  “The falsity of any statement in the application for any policy of sickness and accident insurance shall not bar the right to recovery thereunder, or be used in evidence at any trial to recover upon such policy, unless it is clearly proved that such false statement is willfully false, that it was...”

• Ohio Rev. Code Chapter 3923 § 3923.02 (Form of Policy Filed with Superintendent)

  “No such policy, certificate, indorsement, rider or application shall be delivered, issued for delivery, or used until the expiration of thirty days after the form of such policy, certificate, indorsement, rider, or application has been filed with the superintendent, unless he has previously given...”

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