Accident and Sickness Insurance Policies

What this document is

Code of Virginia Title 38.2 Chapter 35 - Accident and Sickness Insurance Policies (Secs. 38.2-3500 through 38.2-3555) is a state statute published by Virginia Law Library, Virginia Code Commission. It is one of the Virginia documents that insurance license exam questions are written from, including virginia 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.

• Va. Code Ann. Title 38.2 Chapter 35 § 38.2-3511(B) (Application; alteration)

  “No alteration of any written application for any such policy shall be made by any person other than the applicant without his written consent, except that insertions may be made by the insurer, for administrative purposes only, in a manner indicating clearly that such insertions are not to be ascribed to the applicant.”

• Va. Code Ann. Title 38.2 Chapter 35 § 38.2-3545 (Further Restrictions as to Beneficiaries)

  “No change of beneficiary shall be made by assignment, will, or otherwise to any person outside the designated classes without the consent of the insurer.”

• Va. Code Ann. Title 38.2 Chapter 35 § 38.2-3521.2 (Blanket Accident and Sickness Insurance)

  “B. An individual application need not be required from a person covered under a blanket insurance policy. C. No insurer issuing a blanket insurance policy shall be required to furnish a certificate to each person covered by the policy.”

• Va. Code Ann. Title 38.2 Chapter 35 § 38.2-3503 A 12 (Change of Beneficiary)

  “CHANGE OF BENEFICIARY: The Insured can change the beneficiary at any time by giving the Company written notice. The beneficiary's consent is not required for this or any other change in the policy, unless the designation of the beneficiary is irrevocable.”

• Va. Code Ann. Title 38.2 Chapter 35 § 38.2-3503 A 6 (Claim Forms)

  “CLAIM FORMS: When the Company receives the notice of claim, it will send the Claimant forms for filing proof of loss. If these forms are not given to the Claimant within 15 days after the giving of such notice, the Claimant shall meet the proof of loss requirements by giving the Company a written...”

• Va. Code Ann. Title 38.2 Chapter 35 § 38.2-3535 (Claim Forms)

  “Each group accident and sickness insurance policy shall contain a provision that the insurer will furnish forms for filing proof of loss to the person making a claim or to the policyholder for delivery to that person. If the forms are not furnished within fifteen days after the insurer received...”

• Va. Code Ann. Title 38.2 Chapter 35 § 38.2-3555 (Authority of the Commission)

  “Pursuant to the authority granted by § 38.2-223 , the Commission may promulgate such rules and regulations as it may deem necessary to implement this article.”

• Va. Code Ann. Title 38.2 Chapter 35 § 38.2-3523.1 (Review of Records)

  “The Commission may review the records of any insurer to determine that the insurer's policies have been issued in compliance with the requirements set forth in this article. Insurers issuing coverage not complying with the provisions of § 38.2-3521.1 and not complying with the provisions of §...”

• Va. Code Ann. Title 38.2 Chapter 35 § 38.2-3553 (Membership in a Small Employer Health Group Cooperative)

  “A small employer health group cooperative shall not make group health policies offered through the cooperative available other than to the eligible employees of its employer-members and their eligible dependents.”

• Va. Code Ann. Title 38.2 Chapter 35 § 38.2-3521.1 (Group Accident and Sickness Insurance Definitions)

  “The total amount of insurance payable with respect to an indebtedness shall not exceed the greater of the scheduled or actual amount of unpaid indebtedness to the creditor.”

• Va. Code Ann. Title 38.2 Chapter 35 § 38.2-3509 A (Denial or reduction of benefits because of existence of other like insurance)

  “No individual accident and sickness insurance policy, nor any subscription contract as provided for in Chapter 42 (§ 38.2-4200 et seq.) of this title, delivered or issued for delivery in this Commonwealth shall contain any provision for the denial or reduction of benefits because of the existence...”

• Va. Code Ann. Title 38.2 Chapter 35 § 38.2-3525 B (Group Coverages of Spouses, Dependent Children or Other Persons)

  “The amount of accident and sickness insurance for the spouse, dependent child or other person shall not exceed the amount of accident and sickness insurance for the insured group member.”

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More Virginia sources

• Virginia Code s. 38.2-1809 - Records; fiduciary duties of agentsState statute
• Virginia Code s. 38.2-1822 - License required; agentsState statute
• Virginia Code s. 38.2-1826 - Reporting of actions; agentsState statute
• Virginia Code s. 38.2-1831 - Prohibited practices; grounds for license refusal, suspension, or revocationState statute
• Virginia Code s. 38.2-1833 - Appointment of agentsState statute
• Virginia Code s. 38.2-1834 - Termination of agent appointmentState statute
• Virginia Code s. 38.2-1837 - Appointment of agentsState statute
• Virginia Code s. 38.2-1845 - Continuing educationState statute