Regulation · Pennsylvania

Individual Accident and Sickness Insurance Minimum Standards

31 Pa. Code Chapter 88

Publisher: Pennsylvania Insurance Department
Edition: 31 Pa. Code, current through 56 Pa.B. 3438
Last checked: 2026-09-10
Status: Pennsylvania Code

Edition and licensing notes

Publisher. Pennsylvania Insurance Department (Pennsylvania Code, pacodeandbulletin.gov)

Edition. 31 Pa. Code, current through 56 Pa.B. 3438 (June 6, 2026)

Status. Pennsylvania Code (31 Pa.

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What this document is

31 Pa. Code Chapter 88 - Individual Accident and Sickness Insurance Minimum Standards is a regulation published by Pennsylvania Insurance Department (Pennsylvania Code, pacodeandbulletin.gov). It is one of the Pennsylvania documents that insurance license exam questions are written from, including pennsylvania 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.

31 Pa. Code § 88.41(8) (Family Policy Provisions, Continuous Loss)
“The provisions shall provide that termination of the policy by the insurer shall be without prejudice to any continuous loss which commenced while the policy was in force, but the extension of benefits beyond the period the policy was in force may be predicated upon the continuous disability of the...”
31 Pa. Code § 88.13 (Guaranteed Renewable Policy)
“All such policies must be renewable to at least age 65, subject to the timely payment of premiums, and shall provide that the company cannot cancel the policy. However, the insurer may reserve the right to change the premium on a class basis. Such right shall be clearly expressed within the renewal...”
31 Pa. Code § 88.51 (Preexisting Conditions, Applicability of Conditions)
“If coverage of the policy is not to be applicable to preexisting conditions, the policy shall specify, in substance, that coverage pertains solely to accidental bodily injuries resulting from accidents occurring after the effective date of coverage, and that sickness is limited to that which is...”
31 Pa. Code § 88.86 (Waivers)
“Where waivers are required as a condition of issuance, renewal or reinstatement, signed acceptance by the insured is required unless on initial issuance the full text of the waiver is contained either on the first page or specification page of the policy or unless notice of the waiver appears on...”
31 Pa. Code ch. 88 § 88.41(8) (Family policy provisions, termination of insurance)
“(8) The provisions shall provide that termination of the policy by the insurer shall be without prejudice to any continuous loss which commenced while the policy was in force, but the extension of benefits beyond the period the policy was in force may be predicated upon the continuous disability of...”
31 Pa. Code ch. 88 § 88.13 (Guaranteed renewable policy)
“§ 88.13. Guaranteed renewable policy. All such policies must be renewable to at least age 65, subject to the timely payment of premiums, and shall provide that the company cannot cancel the policy. However, the insurer may reserve the right to change the premium on a class basis.”
31 Pa. Code ch. 88 § 88.51 (Applicability of conditions, preexisting conditions)
“The policy must clearly disclose the intent of the insurer as to the applicability or nonapplicability of coverage relating to preexisting conditions.”
31 Pa. Code ch. 88 § 88.41(6) (Family policy provisions, termination of insurance)
“(6) The provisions shall provide that if the insurer accepts the premium for coverage extending beyond the date, age, or event specified for termination as to an insured family member, then coverage as to such person shall continue during the period for which an identifiable premium was accepted,...”

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