South Carolina Code of Laws Title 38, Chapters 65, 71 and 72 (final third)

What this document is

South Carolina Code of Laws Title 38, Chapters 65, 71 and 72 (final third) is a state statute published by South Carolina Legislative Services Agency, scstatehouse.gov (retrieved via an Internet Archive snapshot of the official site). It is one of the South Carolina documents that insurance license exam questions are written from, including south carolina 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.

• S.C. Code Ann. Title 38 § 38-71-1040 (Blanket Accident and Health Insurance; Payment of Benefits)

  “All benefits under any blanket accident and health policy are payable to the individual insured, to his designated beneficiary or beneficiaries, or to his estate, except that if the individual insured is a minor, the benefits may be made payable to his parent, guardian, or other person actually supporting him.”

• S.C. Code Ann. Title 38 § 38-71-1010 ("Blanket accident and health insurance" defined; eligible groups)

  “(4) under a policy or contract issued to a college, school, or other institution of learning or to the head or principal thereof, which or who must be considered the policyholder, covering students or teachers;”

• S.C. Code Ann. Title 38 § 38-71-1030 (Individual Applications and Certificates Not Required)

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

• S.C. Code Ann. Title 38 § 38-71-1020 (Blanket Accident and Health Insurance; Requirements as to Policies)

  “All blanket accident and health insurance policies are subject to the provisions of Articles 1 and 3 of this chapter. However, no policy is required to contain any of the required policy provisions set forth in Section 38-71-340. However, no policy may contain any provision relative to notice of...”

• S.C. Code Ann. Title 38 § 38-72-60(B)(1) (Prohibited Practices: Cancellation, Nonrenewal, and Termination)

  “(B) A long term care insurance policy may not: (1) be canceled, nonrenewed, or otherwise terminated except for nonpayment of the premium;”

• S.C. Code Ann. Title 38 § 38-71-850(D) (Certification of Creditable Coverage)

  “(D)(1)(a) A health insurance issuer offering group health insurance coverage, shall provide the certification described in subitem (b): (i) at the time an individual ceases to be covered under the plan or otherwise becomes covered under a COBRA continuation provision; (ii) in the case of an...”

• S.C. Code Ann. Title 38 § 38-71-1110 (Franchise Accident and Health Insurance Defined)

  “Accident and health insurance on a franchise plan may be written under rates less than the usual rates for the insurance, but all premium rates and discounts the insurer proposes to use must be filed with the department and approved by the director or his designee as required by Section 38-71-310.”

• S.C. Code Ann. Title 38 § 38-72-60(F)(1) (Long Term Care Insurance: Right to Return Policy and Premium Refund)

  “Long term care insurance applicants have the right to return the policy or certificate within thirty days of its delivery and to have the premium refunded if, after examination of the policy or certificate, the applicant is not satisfied for any reason.”

• S.C. Code Ann. Title 38 § 38-71-870(C)(1) (Discontinuance of a Type of Group Coverage)

  “(C)(1) In any case in which an issuer decides to discontinue offering a particular type of group health insurance coverage offered in the small or large group market, coverage of such type may be discontinued by the issuer in accordance with applicable state law in such market only if the issuer:...”

• S.C. Code Ann. Title 38 § 38-72-60(G)(1) (Long Term Care Insurance: Outline of Coverage Delivery)

  “(G)(1) An outline of coverage must be delivered to a prospective applicant for long term care insurance at the time of initial solicitation through means that prominently direct the attention of the recipient to the document and its purpose. (a) The director or his designee shall prescribe a...”

• S.C. Code Ann. Title 38 § 38-71-850(A)(1) (Preexisting Condition Exclusion; Look-Back Period)

  “(1) exclusion relates to a condition, whether physical or mental, regardless of the cause of the condition, for which medical advice, diagnosis, care, or treatment was recommended or received within the six-month period ending on the enrollment date;”

• S.C. Code Ann. Title 38 § 38-71-850(C)(3) (Pregnancy Not Excludable as a Preexisting Condition)

  “(3) A health insurance issuer offering group health insurance coverage, may not impose any preexisting condition exclusion relating to pregnancy as a preexisting condition.”

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Questions about this source

More South Carolina sources

• S.C. Code Ann. ch. 38-57: Unfair trade practices in the business of insuranceState statute
• S.C. Code Ann. ch. 38-43: Producers (licensing, appointment, discipline)State statute
• S.C. Code Ann. ch. 38-63: Life insurance policy provisionsState statute
• S.C. Code Ann. ch. 38-71: Accident and health insurance policy provisionsState statute
• South Carolina Code of Laws Title 38, Chapters 5, 43 and part of 55 (first third)State statute
• South Carolina Code of Laws Title 38, Chapters 55, 57, 59, 63 and part of 65 (second third)State statute
• South Carolina Insurance Content OutlinesCandidate handbook or exam outline
• South Carolina Insurance Licensing Candidate HandbookCandidate handbook or exam outline