Source: https://law.onecle.com/oregon/746-trade-practices/746.600.html
Timestamp: 2019-03-25 12:41:27
Document Index: 622824066

Matched Legal Cases: ['§4', '§50', '§50', '§25', '§6', '§151', '§2', '§5', '§1', '§6', '§1']

Oregon Statutes - Chapter 746 - Trade Practices - Section 746.600 - Definitions for ORS 746.600 to 746.690. - Legal Research
Oregon Statutes - Chapter 746 - Trade Practices - Section 746.600 - Definitions for ORS 746.600 to 746.690.
As used in ORS 746.600 to 746.690:
(1)(a) �Adverse underwriting decision� means any of the following actions with respect to insurance transactions involving insurance coverage that is individually underwritten:
(b) �Adverse underwriting decision� does not mean any of the following actions, but the insurer or insurance producer responsible for the occurrence of the action must nevertheless provide the applicant or policyholder with the specific reason or reasons for the occurrence:
(2) �Affiliate of� a specified person or �person affiliated with� a specified person means a person who directly, or indirectly, through one or more intermediaries, controls, or is controlled by, or is under common control with, the person specified.
(3) �Applicant� means a person who seeks to contract for insurance coverage, other than a person seeking group insurance coverage that is not individually underwritten.
(4) �Consumer� means an individual, or the personal representative of the individual, who seeks to obtain, obtains or has obtained one or more insurance products or services from a licensee that are to be used primarily for personal, family or household purposes, and about whom the licensee has personal information.
(5) �Consumer report� means any written, oral or other communication of information bearing on a natural person�s creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics or mode of living that is used or expected to be used in connection with an insurance transaction.
(6) �Consumer reporting agency� means a person that, for monetary fees or dues, or on a cooperative or nonprofit basis:
(7) �Control� means, and the terms �controlled by� or �under common control with� refer to, the possession, directly or indirectly, of the power to direct or cause the direction of the management and policies of a person, whether through the ownership of voting securities, by contract other than a commercial contract for goods or nonmanagement services, or otherwise, unless the power of the person is the result of a corporate office held in, or an official position held with, the controlled person.
(8) �Covered entity� means:
(9) �Credit history� means any written or other communication of any information by a consumer reporting agency that:
(a) Bears on a consumer�s creditworthiness, credit standing or credit capacity; and
(10) �Customer� means a consumer who has a continuing relationship with a licensee under which the licensee provides one or more insurance products or services to the consumer that are to be used primarily for personal, family or household purposes.
(11) �Declination of insurance coverage� or �decline coverage� means a denial, in whole or in part, by an insurer or insurance producer of an application for requested insurance coverage.
(12) �Health care� means care, services or supplies related to the health of an individual.
(13) �Health care operations� includes but is not limited to:
(14) �Health care provider� includes but is not limited to:
(x) A diabetes self-management program as defined in ORS 743.694; and
(15) �Health information� means any oral or written information in any form or medium that:
(16) �Health insurer� means:
(a) An insurer who offers:
(17) �Homeowner insurance� means insurance for residential property consisting of a combination of property insurance and casualty insurance that provides coverage for the risks of owning or occupying a dwelling and that is not intended to cover an owner�s interest in rental property or commercial exposures.
(18) �Individual� means a natural person who:
(19) �Individually identifiable health information� means any oral or written health information that is:
(20) �Institutional source� means a person or governmental entity that provides information about an individual to an insurer, insurance producer or insurance-support organization, other than:
(21) �Insurance producer� or �producer� means a person licensed by the Director of the Department of Consumer and Business Services as a resident or nonresident insurance producer.
(22) �Insurance score� means a number or rating that is derived from an algorithm, computer application, model or other process that is based in whole or in part on credit history.
(23)(a) �Insurance-support organization� means a person who regularly engages, in whole or in part, in assembling or collecting information about natural persons for the primary purpose of providing the information to an insurer or insurance producer for insurance transactions, including:
(b) �Insurance-support organization� does not mean insurers, insurance producers, governmental institutions or health care providers.
(24) �Insurance transaction� means any transaction that involves insurance primarily for personal, family or household needs rather than business or professional needs and that entails:
(a) The determination of an individual�s eligibility for an insurance coverage, benefit or payment; or
(25) �Insurer� has the meaning given that term in ORS 731.106.
(26) �Investigative consumer report� means a consumer report, or portion of a consumer report, for which information about a natural person�s character, general reputation, personal characteristics or mode of living is obtained through personal interviews with the person�s neighbors, friends, associates, acquaintances or others who may have knowledge concerning such items of information.
(27) �Licensee� means an insurer, insurance producer or other person authorized or required to be authorized, or licensed or required to be licensed, pursuant to the Insurance Code.
(28) �Loss history report� means a report provided by, or a database maintained by, an insurance-support organization or consumer reporting agency that contains information regarding the claims history of the individual property that is the subject of the application for a homeowner insurance policy or the consumer applying for a homeowner insurance policy.
(29) �Nonaffiliated third party� means any person except:
(30) �Payment� includes but is not limited to:
(31)(a) �Personal financial information� means:
(A) Information that is identifiable with an individual, gathered in connection with an insurance transaction from which judgments can be made about the individual�s character, habits, avocations, finances, occupations, general reputation, credit or any other personal characteristics; or
(B) An individual�s name, address and policy number or similar form of access code for the individual�s policy.
(b) �Personal financial information� does not mean information that a licensee has a reasonable basis to believe is lawfully made available to the general public from federal, state or local government records, widely distributed media or disclosures to the public that are required by federal, state or local law.
(32) �Personal information� means:
(33) �Personal insurance� means the following types of insurance products or services that are to be used primarily for personal, family or household purposes:
(34) �Personal representative� includes but is not limited to:
(35) �Policyholder� means a person who:
(36) �Pretext interview� means an interview wherein the interviewer, in an attempt to obtain personal information about a natural person, does one or more of the following:
(37) �Privileged information� means information that is identifiable with an individual and that:
(38)(a) �Protected health information� means individually identifiable health information that is transmitted or maintained in any form of electronic or other medium by a covered entity.
(39) �Residual market mechanism� means an association, organization or other entity involved in the insuring of risks under ORS 735.005 to 735.145, 737.312 or other provisions of the Insurance Code relating to insurance applicants who are unable to procure insurance through normal insurance markets.
(40) �Termination of insurance coverage� or �termination of an insurance policy� means either a cancellation or a nonrenewal of an insurance policy, in whole or in part, for any reason other than the failure of a premium to be paid as required by the policy.
(41) �Treatment� includes but is not limited to:
(b) Consultations and referrals between health care providers. [1981 c.649 §4; 1987 c.490 §50; 2001 c.191 §50; 2001 c.377 §25; 2003 c.87 §6; 2003 c.364 §151; 2003 c.590 §§2,4; 2003 c.599 §§5,7; 2003 c.788 §1a; 2005 c.253 §§6,7; 2005 c.489 §§1,2]
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