State statute · Oklahoma

Accident and Health Insurance

Oklahoma Statutes Title 36 Article 44, Secs. 36-4400 through 36-4430

Publisher: Oklahoma State Senate
Edition: Oklahoma Statutes Title 36 - Insurance, official compiled PDF
Last checked: 2026-08-31
Status: US state statute

Edition and licensing notes

Publisher. Oklahoma State Senate (oksenate.gov), Oklahoma Statutes Title 36

Status. US state statute; public domain.

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What this document is

Oklahoma Statutes Title 36 Article 44 - Accident and Health Insurance (Secs. 36-4400 through 36-4430) is a state statute published by Oklahoma State Senate (oksenate.gov), Oklahoma Statutes Title 36. It is one of the Oklahoma documents that insurance license exam questions are written from, including oklahoma 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.

36 O.S. § 4409 (Age limit)
“If any such policy contains a provision establishing, as an age limit or otherwise, a date after which the coverage provided by the policy will not be effective, and if such date falls within a period for which premium is accepted by the insurer or if the insurer accepts a premium after such date,...”
36 O.S. § 4405(A)(6) (Required Provisions: 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 (15) days after the giving of such notice, the claimant shall be deemed to have complied with the...”
36 O.S. § 4408 (Notice; waiver)
“The acknowledgment by any insurer of the receipt of notice given under any policy covered by this article, or the furnishing of forms for filing proofs of loss, or the acceptance of such proofs, or the investigation of any claim thereunder, shall not operate as a waiver of any of the rights of the...”
36 O.S. § 4403 (Definition of Accident and Health Insurance Policy)
“The term "policy of accident and health insurance" as used herein includes any policy or contract insuring against loss resulting from sickness, or from bodily injury or death by accident or both. Provided, however, the term does not include coverage provided under a limited benefit insurance...”
36 O.S. § 4405(A)(1) (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.”
36 O.S. § 4404(A)(6) (Form of Policy - form number identification)
“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;”
36 O.S. § 4404(A)(7) (Form of Policy - incorporation of charter or bylaws)
“it contains 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 classification of...”
36 O.S. § 4405(A)(9) (Required Provisions: Payment of Claims)
“Indemnity for loss of life will be payable in accordance with the beneficiary designation and the provisions respecting such payment which may be prescribed herein and effective at the time of payment. If no such designation or provision is then effective, such indemnity shall be payable to the estate of the insured.”
36 O.S. § 4405(A)(10) (Required Provisions: Physical Examination, 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.”
36 O.S. § 4402 (Accident and Health Policies; Filing)
“no policy of insurance against loss or expense from the sickness, or from the bodily injury or death of the insured by accident shall be issued or delivered to any person in this state, nor shall any application, rider or endorsement be used in connection therewith until a copy of the form thereof,...”
36 O.S. § 4405(A)(4) (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 (10) days after such date.”
36 O.S. § 4404(A)(4) (Form of Policy - renewable at company option disclosure)
“when a policy is renewable only at the option of the company, such fact shall be made known in prominent lettering on the face of the policy;”

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