Regulation · Pennsylvania

Pennsylvania Requirements for Accident and Health Insurance

Individual Policies, 31 Pa. Code Chapter 89, Subchapter C (§§ 89.71 - 89.85)

Publisher: Pennsylvania Code, Insurance Department
Edition: Pennsylvania Code changes effective through 56 Pa.B. 3438
Last checked: 2026-09-02
Status: 31 Pa

Edition and licensing notes

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

Edition. Pennsylvania Code changes effective through 56 Pa.B. 3438 (June 6, 2026)

Status. 31 Pa.

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What this document is

Pennsylvania Requirements for Accident and Health Insurance - Individual Policies, 31 Pa. Code Chapter 89, Subchapter C (§§ 89.71 - 89.85) is a regulation published by Pennsylvania Code, Insurance Department (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

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31 Pa. Code § 89.72(b) (Applications)
“A provision may not be permitted in an application which changes the terms of the policy to which it is attached.”
31 Pa. Code § 89.76(a) (Suspension and termination)
“A policy may not contain a provision for its automatic termination upon the happening of any loss, except a loss which has exhausted all possible benefits under the policy.”
31 Pa. Code § 89.82(c) (Miscellaneous policy provisions)
“A policy which contains a disability income benefit or a similar type benefit may not require an insured person to be confined to his residence due to sickness or injury as a condition for the benefit, a change in the amount of the benefit or a change in duration of coverage of the benefit.”
31 Pa. Code § 89.74(c) (Renewability and cancellation of policies)
“Nonrenewal of individual accident and health policies may not be based upon deterioration of physical or mental health.”
31 Pa. Code § 89.73(a) (Required statements in policies)
“There shall be imprinted on the face of the policy the ‘‘Notice of Insured’s Right to Examine Policy for Ten Days,’’ as required by section 617 of the act (40 P. S. § 752). The provision shall be worded that the insured is given the option for a full refund. On booklet-type policies this provision...”

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