State statute · Rhode Island

Accident and Sickness Insurance Policies

R.I. Gen. Laws Title 27, Chapter 18

Publisher: webserver.rilegislature.gov
Edition: 2026 General Laws
Last checked: 2026-09-02
Status: RI statutes, public domain

Edition and licensing notes

Edition. 2026 General Laws (Rhode Island General Assembly / Legislative Data Systems statutes site, page-stated 'Search the 2026 General Laws', SessionYear=2026 over /Statutes); History of Section notes in this file run through P.L. 2025

Status. RI statutes, public domain (state government edict).

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What this document is

R.I. Gen. Laws Title 27, Chapter 18: Accident and Sickness Insurance Policies is a state statute published by webserver.rilegislature.gov. It is one of the Rhode Island documents that insurance license exam questions are written from, including rhode island 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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R.I. Gen. Laws tit. 27 § 27-18-3(a)(6) (Required provisions: Claim Forms)
““CLAIM FORMS: The insurer, upon receipt of a notice of claim, will furnish to the claimant any forms as are usually furnished by it for filing proofs of loss. If the forms are not furnished within fifteen (15) days after the giving of notice, the claimant shall be deemed to have complied with the...”
R.I. Gen. Laws tit. 27 § 27-18-3(a)(5) (Required provisions: Notice of Claim)
““NOTICE OF CLAIM: Written notice of claim must be given to the insurer within twenty (20) days after the occurrence or commencement of any loss covered by the policy, or as soon after this as is reasonably possible. Notice given by or on behalf of the insured or the beneficiary to the insurer at...”
R.I. Gen. Laws tit. 27 § 27-18-4 (Optional provisions)
“Except as provided in § 27-18-5, no policy delivered or issued for delivery to any person in this state shall contain provisions respecting the matters set forth in this section unless the provisions are in the words in which they appear in this section; provided, that the insurer may, at its...”
R.I. Gen. Laws tit. 27 § 27-18-3(a)(7) (Required provisions: Proofs of Loss)
““PROOFS OF LOSS: Written proof of loss must be furnished to the insurer at its office in the case of a claim for loss for which this policy provides any periodic payment contingent upon continuing loss within ninety (90) days after the termination of the period for which the insurer is liable and...”
R.I. Gen. Laws tit. 27 § 27-18-3(a)(8) (Required provisions: Time of Payment of Claims)
““TIME OF PAYMENT OF CLAIMS: Indemnities payable under this policy for any loss other than loss for which this policy provides any periodic payment will be paid immediately upon receipt of due written proof of this loss. Subject to due written proof of loss, all accrued indemnities for loss for...”
R.I. Gen. Laws tit. 27 § 27-18-4(8) (Optional Provisions: Cancellation)
“In the event of cancellation, the insurer will return promptly the unearned portion of any premium paid. If the insured cancels, the earned premium shall be computed by the use of the short-rate table last filed with the state official having supervision of insurance in the state where the insured...”
R.I. Gen. Laws tit. 27 § 27-18-4(1) (Optional Provisions: Change of Occupation)
“If the insured changes his or her occupation to one classified by the insurer as less hazardous than that stated in this policy, the insurer, upon receipt of proof of the change of occupation, will reduce the premium rate accordingly, and will return the excess pro rata unearned premium from the...”
R.I. Gen. Laws tit. 27 § 27-18-3(a)(6) (Required Provisions: Claim Forms)
“The insurer, upon receipt of a notice of claim, will furnish to the claimant any forms as are usually furnished by it for filing proofs of loss. If the forms are not furnished within fifteen (15) days after the giving of notice, the claimant shall be deemed to have complied with the requirements of...”
R.I. Gen. Laws tit. 27 § 27-18-4(11) (Optional Provisions: Intoxicants and Narcotics)
“(11) A provision as follows included in any policy that is not a medical expense policy: “INTOXICANTS AND NARCOTICS: The insurer shall not be liable for any loss sustained or contracted in consequence of the insured’s being intoxicated or under the influence of any narcotic unless administered on...”
R.I. Gen. Laws tit. 27 § 27-18-3(a)(11) (Required Provisions: Legal Actions)
“LEGAL ACTIONS: No action at law or in equity shall be brought to recover on this policy prior to the expiration of sixty (60) days after written proof of loss has been furnished in accordance with the requirements of this policy. No action shall be brought after the expiration of three (3) years...”
R.I. Gen. Laws § 27-18-13 (Effect of policies inconsistent with chapter)
“A policy delivered or issued for delivery to any person in this state in violation of this chapter shall be held valid but shall be construed as provided in this chapter. When any provision in a policy subject to this chapter is in conflict with any provision of this chapter, the rights, duties,...”
R.I. Gen. Laws § 27-18-14 (Copies of applications)
“The insured shall not be bound by any statement made in an application for a policy unless a copy of the application is attached to or endorsed on the policy when issued as a part of the policy. If the policy delivered or issued for delivery to any person in this state shall be reinstated or...”

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R.I. Gen. Laws Title 27, Chapter 18: Accident and Sickness Insurance Policies is a state statute published by webserver.rilegislature.gov. Edition: 2026 General Laws (Rhode Island General Assembly / Legislative Data Systems statutes site, page-stated 'Search the 2026 General Laws', SessionYear=2026 over /Statutes); History of Section notes in this file run through P.L. 2025.

No. This page summarizes the document and links to the official version. Always rely on the text published by webserver.rilegislature.gov for the current law.

Practice questions for Rhode Island Life & Health cite this document.

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