reglab/housing_qa huggingface dataset:
18 DE Code § 2720. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 27. The Insurance Contract|Subchapter I. Insurance Contracts Generally|§ 2720. Assignability.

§ 2720. Assignability. (a) A policy and its rights and benefits may be assignable or not assignable, as provided by its terms. (b) Subject to its terms relating to assignability, a life or health insurance policy and its rights and benefits, whether heretofore or hereafter issued, under the terms of which the beneficiary may be changed upon the sole request of the insured or owner, may be assigned either by pledge or transfer of title by an assignment executed by the insured or owner alone and delivered to the insurer, whether or not the pledgee or assignee is the insurer. (c) Subject to its terms relating to assignability, a property insurance policy, whether heretofore or hereafter issued, under the terms of which the policy and its rights and benefits are assignable, may provide that the rights and benefits under the insurance policy may only be assigned to a person who has the legal authority to represent the named insured and may explicitly prohibit assignment of rights and benefits to any other person, including a property repair contractor. For purposes of this subsection, having “legal authority to represent the named insured” includes the person named by the named insured as having the named insured's power of attorney, the person who is the named insured's licensed public adjuster, or any other comparable person. Property repair contractors operating in this State may not subvert the public adjuster licensing requirements in § 1751 of this title through the acquisition of a power of attorney from the named insured.  (d) Any assignment pursuant to subsection (b) or (c) of this section shall entitle the insurer to deal with the assignee as the owner or pledgee of the policy or its rights and benefits in accordance with the terms of the assignment until the insurer has received at its home office written notice of termination of the assignment or pledge or written notice by or on behalf of some other person claiming some interest in the policy or its rights and benefits in conflict with the assignment. 18 Del. C. 1953, §  2720;  56 Del. Laws, c. 380, §  1;  83 Del. Laws, c. 93, § 1;
18 DE Code § 2721. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 27. The Insurance Contract|Subchapter I. Insurance Contracts Generally|§ 2721. Payment discharges insurer.

§ 2721. Payment discharges insurer. Whenever the proceeds of or payments under a life or health insurance policy or annuity contract heretofore or hereafter issued become payable in accordance with the terms of such policy or contract, or the exercise of any right or privilege thereunder, and the insurer makes payment thereof in accordance therewith or in accordance with any written assignment thereof, the person then designated as being entitled thereto shall be entitled to receive such proceeds or payments and to give full acquittance therefor and such payments shall fully discharge the insurer from all claims under the policy or contract unless, before payment is made, the insurer has received at its home office written notice by or on behalf of some other person that such other person claims to be entitled to such payment or some interest in the policy or contract. 18 Del. C. 1953, §  2721;  56 Del. Laws, c. 380, §  1;
18 DE Code § 2722. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 27. The Insurance Contract|Subchapter I. Insurance Contracts Generally|§ 2722. Forms for proof of loss to be furnished.

§ 2722. Forms for proof of loss to be furnished. An insurer shall furnish, upon written request of any person claiming to have a loss under an insurance contract issued by such insurer, forms of proof of loss for completion by such person, but such insurer shall not, by reason of the requirement so to furnish forms, have any responsibility for or with reference to the completion of such proof or the manner of any such completion or attempted completion. 18 Del. C. 1953, §  2722;  56 Del. Laws, c. 380, §  1;
18 DE Code § 2723. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 27. The Insurance Contract|Subchapter I. Insurance Contracts Generally|§ 2723. Minor may give acquittance.

§ 2723. Minor may give acquittance. Repealed by 72 Del. Laws, c. 310, § 1, effective May 26, 2000.
18 DE Code § 2724. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 27. The Insurance Contract|Subchapter I. Insurance Contracts Generally|§ 2724. Claims administration not waiver.

§ 2724. Claims administration not waiver. Without limitation of any right or defense of an insurer otherwise, none of the following acts by or on behalf of an insurer shall be deemed to constitute a waiver of any provision of a policy or of any defense of the insurer thereunder:  (1) Acknowledgment of the receipt of notice of loss or claim under the policy; (2) Furnishing forms for reporting a loss or claim, for giving information relative thereto, or for making proof of loss, or receiving or acknowledging receipt of any such forms or proofs completed or uncompleted; (3) Investigating any loss or claim under any policy or engaging in negotiations looking toward a possible settlement of any such loss or claim.18 Del. C. 1953, §  2724;  56 Del. Laws, c. 380, §  1;
18 DE Code § 2726. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 27. The Insurance Contract|Subchapter I. Insurance Contracts Generally|§ 2726. Exemption of proceeds, health insurance.

§ 2726. Exemption of proceeds, health insurance. Except as may otherwise be expressly provided by the policy or contract, the proceeds or avails of all contracts of health insurance and of provisions providing benefits on account of the insured's disability which are supplemental to life insurance or annuity contracts heretofore or hereafter effected shall be exempt from all liability for any debt of the insured and from any debt of the beneficiary existing at the time the proceeds are made available for his or her use. 18 Del. C. 1953, §  2726;  56 Del. Laws, c. 380, §  1;  70 Del. Laws, c. 186, §  1;
18 DE Code § 2727. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 27. The Insurance Contract|Subchapter I. Insurance Contracts Generally|§ 2727. Exemption of proceeds—Group insurance.

§ 2727. Exemption of proceeds—Group insurance. (a) A policy of group life insurance or group health insurance or the proceeds thereof payable to the individual insured or to the beneficiary thereunder, shall not be liable, either before or after payment, to be applied by any legal or equitable process to pay any debt or liability of such insured individual or his or her beneficiary or of any other person having a right under the policy. (b) This section shall not apply to group insurance issued pursuant to this title to a creditor covering his or her debtors to the extent that such proceeds are applied to payment of the obligation for the purpose of which the insurance was so issued. 18 Del. C. 1953, §  2727;  56 Del. Laws, c. 380, §  1;  70 Del. Laws, c. 186, §  1;
18 DE Code § 2729. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 27. The Insurance Contract|Subchapter I. Insurance Contracts Generally|§ 2729. Retention of proceeds of policy by company.

§ 2729. Retention of proceeds of policy by company. (a) Any life insurer shall have power to hold payment of proceeds, as shall have been agreed to in writing by the insurer and the insured or beneficiary. The insurer shall not be required to segregate funds so held but may hold them as a part of its general corporate assets. (b) The provisions of this section shall not impair or affect any rights of creditors under §§ 2725-2728 of this title. 18 Del. C. 1953, §  2729;  56 Del. Laws, c. 380, §  1;
18 DE Code § 2730. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 27. The Insurance Contract|Subchapter I. Insurance Contracts Generally|§ 2730. Collection of overpayments by health insurers and health plans.

§ 2730. Collection of overpayments by health insurers and health plans. (a) Other than recovery for duplicate payments, a health insurer or health plan, whenever it engages in overpayment recovery efforts, shall provide written notice to the health-care provider that identifies the error made in the processing or payment of the claim and justifies the overpayment recovery. (b) A health insurer or health plan shall provide a health-care provider with the opportunity to challenge an overpayment recovery, including the sharing of claims information, and shall establish written policies and procedures for health-care providers to follow to challenge an overpayment recovery. (c) A health insurer or health plan shall not initiate overpayment recovery efforts more than 24 months after the original payment for the claim was made. No such time limit shall apply to overpayment recovery efforts which are:  (1) Based on a reasonable belief of fraud, abuse, or other intentional misconduct;  (2) Required by, or initiated at the request of, a self-insured plan; or  (3) Required by a state or federal government plan. (d) Nothing in this section shall be deemed to limit a health insurer's or health plan's right to pursue recovery of overpayments that occurred prior to June 14, 2018, where the health insurer or health plan has provided the health-care provider with notice of such recovery efforts prior to June 14, 2018. (e) For purposes of this section “health insurer” shall mean any entity or plan that provides health insurance in this State. Such terms shall include an insurance company, health service corporation, managed care organization, health maintenance organization, and any other entity providing a plan of health insurance or health benefits subject to state insurance regulation. “Health insurer” shall also include any third-party administrator or other entity that adjusts, administers or settles claims in connection with health benefit plans. (f) For purposes of this section, “health plan” shall mean any hospital or medical policy or certificate, major-medical expense insurance, health service corporation subscriber contract, health maintenance organization subscriber contract, managed care organization subscriber contract, dental or vision plan. “Health plan” does not include accident-only, credit, Medicaid plans, long-term care or disability income insurance, coverage issued as a supplement to liability insurance, workers' compensation or similar insurance or automobile medical payment insurance. (g) Waiver prohibited. — The provisions of this section cannot be waived by contract. Any contractual arrangement in conflict with the provisions of this section or that purports to waive any requirements of this section is null and void. 81 Del. Laws, c. 216, § 1;
18 DE Code § 2740. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 27. The Insurance Contract|Subchapter II. Readability of Automobile Insurance Policy Forms|§ 2740. Statement of policy.

§ 2740. Statement of policy. It is the purpose of this subchapter to encourage the Commissioner to promulgate regulations by October 15, 1976, which assure that automobile insurance policies issued in Delaware, after the effective date of said regulations, will be understandable and readable by a person of average intelligence and education; or, in the event of the failure of the Commissioner to promulgate such regulations by October 15, 1976, to establish certain basic minimum readability requirements for automobile insurance policy forms. Accordingly, it is intended that subchapter III of this chapter shall become effective only upon the failure of the Commissioner to promulgate such regulations by October 15, 1976. 60 Del. Laws, c. 441, §  2;
18 DE Code § 2741. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 27. The Insurance Contract|Subchapter II. Readability of Automobile Insurance Policy Forms|§ 2741. Commissioner's authority to promulgate readability rules and regulations.

§ 2741. Commissioner's authority to promulgate readability rules and regulations. (a) In addition to those general powers granted in § 314 of this title, the Commissioner is hereby authorized and empowered to make rules and regulations to the extent the Commissioner deems necessary to assure that automobile insurance policy forms as described in § 2742 of this title [expired] are readable and understandable by a person of average intelligence and education; provided, however, that such rules and regulations shall require, in the manner the Commissioner deems appropriate, that all such automobile insurance policy forms shall have a total “readability score” of 40 or more on the Flesch Scale, although forms with a Flesch Test Score of less than 40 may be approved where the length of sentences and words are sufficiently compensated for by compliance with other standards set forth in such rules and regulations. (b) The Commissioner shall adopt and promulgate readability rules and regulations only after a hearing thereon of which notice has been given to all persons subject to the Commissioner's supervision under this title who are to be affected by the proposed rule or regulation. Any readability rules and regulations so adopted and promulgated shall be effective upon the date specified therein. 60 Del. Laws, c. 441, §  2;
18 DE Code § 3301. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 33. Health Insurance Contracts|Subchapter I. General Provisions|§ 3301. Scope of chapter.

§ 3301. Scope of chapter. This chapter shall not apply to or affect:  (1) Any policy of liability or workers' compensation insurance with or without supplementary expense coverage therein; (2) Any group or blanket policy; (3) Life insurance, endowment or annuity contracts, or contracts supplemental thereto which contain only such provisions relating to health insurance as:  a. Provide additional benefits in case of death or dismemberment or loss of sight by accident or accidental means; or as b. Operate to safeguard such contracts against lapse, or to give a special surrender value or special benefit or an annuity in the event that the insured or annuitant becomes totally and permanently disabled, as defined by the contract or supplemental contract; (4) Reinsurance.18 Del. C. 1953, §  3301;  56 Del. Laws, c. 380, §  1;  70 Del. Laws, c. 186, §  1;  80 Del. Laws, c. 310, § 1;
18 DE Code § 3302. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 33. Health Insurance Contracts|Subchapter I. General Provisions|§ 3302. Short title.

§ 3302. Short title. This subchapter may be cited as the “Uniform Health Policy Provisions Law.” 18 Del. C. 1953, §  3302;  56 Del. Laws, c. 380, §  1;  80 Del. Laws, c. 310, § 1;  81 Del. Laws, c. 78, § 5;
18 DE Code § 3303. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 33. Health Insurance Contracts|Subchapter I. General Provisions|§ 3303. Scope, format of policy [For application of this section, see 79 Del. Laws, c. 99, § 19].

§ 3303. Scope, format of policy [For application of this section, see 79 Del. Laws, c. 99, § 19]. No policy of health insurance shall be delivered or issued for delivery to any person in this State unless it otherwise complies with this title and complies with the following:  (1) The entire money and other considerations therefor shall be expressed therein; (2) The time when the insurance takes effect and terminates shall be expressed therein; (3) It shall purport to insure only 1 person, except that a policy may insure, originally or by subsequent amendment, upon the application of an adult member of a family, who shall be deemed the policyholder, any 2 or more eligible members of that family, including husband, wife, dependent children or any children under a specified age which shall not exceed 26 years and any other person dependent upon the policyholder; (4) The style, arrangement and overall appearance of the policy shall give no undue prominence to any portion of the text, and every printed portion of the text of the policy and of any endorsements or attached papers shall be plainly printed in light-faced type of a style in general use, the size of which shall be uniform and not less than 10 points with a lower case unspaced alphabet length not less than 120 points (the “text” shall include all printed matter except the name and address of the insurer, name or title of the policy, the brief description, if any, and captions and subcaptions); (5) The exceptions and reductions of indemnity shall be set forth in the policy and, other than those contained in §§ 3305-3326, inclusive, of this title, shall be printed, at the insurer's option, either included with the benefit provision to which they apply, or under an appropriate caption such as “exceptions,” or “exceptions and reductions,” except that if an exception or reduction specifically applies only to a particular benefit of the policy, a statement of such exception or reduction shall be included with the benefit provision to which it applies; (6) Each such form, including riders and endorsements, shall be identified by a form number in the lower left-hand corner of the first page thereof; and (7) The policy shall contain no provision purporting to make any portion of the charter, rules, constitution or bylaws of the insurer a part of the policy unless such portion is set forth in full in the policy, except in the case of the incorporation of, or reference to, a statement of rates or classification of risks, or short-rate table filed with the Commissioner. (8) The policy shall contain no provision or nondisclosure clause prohibiting physicians or other health-care providers from giving patients information regarding diagnoses, prognoses and treatment options.18 Del. C. 1953, §  3303;  56 Del. Laws, c. 380, §  1;  70 Del. Laws, c. 537, §  1;  70 Del. Laws, c. 186, §  1;  79 Del. Laws, c. 99, §  1;  80 Del. Laws, c. 310, § 1;
18 DE Code § 3304. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 33. Health Insurance Contracts|Subchapter I. General Provisions|§ 3304. Required provisions; captions; omissions; substitutions.

§ 3304. Required provisions; captions; omissions; substitutions. (a) Except as provided in subsection (b) of this section below, each such policy delivered or issued for delivery to any person in this State shall contain the provisions specified in §§ 3305-3316, inclusive, of this title, in the words in which the same appear; except, that the insurer may, at its option, substitute for 1 or more of such provisions corresponding provisions of different wording approved by the Commissioner which are in each instance not less favorable in any respect to the insured or the beneficiary. Each such provision shall be preceded individually by the applicable caption shown, or, at the option of the insurer, by such appropriate individual or group captions or subcaptions as the Commissioner may approve. (b) If any such provision is in whole or in part inapplicable to or inconsistent with the coverage provided by a particular form of policy, the insurer, with the approval of the Commissioner, shall omit from such policy any inapplicable provision or part of a provision and shall modify any inconsistent provision or part of a provision in such manner as to make the provision as contained in the policy consistent with the coverage provided by the policy. 18 Del. C. 1953, §  3304;  56 Del. Laws, c. 380, §  1;  80 Del. Laws, c. 310, § 1;
18 DE Code § 3305. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 33. Health Insurance Contracts|Subchapter I. General Provisions|§ 3305. Entire contract; changes.

§ 3305. Entire contract; changes. There shall be a provision as follows:  “Entire Contract; Changes: This policy, including the endorsements and the attached papers, if any, constitutes the entire contract of insurance. No change in this policy shall be valid until approved by an executive officer of the company and unless such approval be endorsed hereon or attached hereto. No agent has authority to change this policy or to waive any of its provisions.” 18 Del. C. 1953, §  3305;  56 Del. Laws, c. 380, §  1;  80 Del. Laws, c. 310, § 1;
18 DE Code § 3306. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 33. Health Insurance Contracts|Subchapter I. General Provisions|§ 3306. Time limit on certain defenses.

§ 3306. Time limit on certain defenses. (a) There shall be a provision as follows: “Time Limit on Certain Defenses:  (1) After 2 years from the date of issue of this policy, no misstatements, except fraudulent misstatements, made by the applicant in the application for such policy shall be used to void the policy or deny a claim for loss incurred as disability (as defined in the policy) commencing after the expiration of such 2-year period. (2) No claim for loss incurred as disability (as defined in the policy) commencing 2 years from the date of issue of this policy shall be reduced or denied on the ground that a disease or physical condition not excluded from coverage by name or specific description effective on the date of loss had existed prior to the effective date of coverage of this policy.” (b) The policy provision required by paragraph (a)(1) of this section above shall not be so construed as to affect any legal avoidance of a policy or denial of a claim during such initial 2-year period, nor to limit the application of §§ 3318-3320 of this title in the event of misstatement with respect to age or occupation or other insurance. (c) A policy which the insured has the right to continue in force subject to its terms by the timely payment of premium (1) until at least age 50, or (2) in the case of a policy issued after age 44, for at least 5 years from its date of issue, may contain in lieu of the foregoing the following provision (from which the clause in parentheses may be omitted at the insurer's option) under the caption “Incontestable”:  “After this policy has been in force for a period of 2 years during the lifetime of the insured (excluding any period during which the insured is disabled), it shall become incontestable as to any statements, other than fraudulent statements, contained in the application.”18 Del. C. 1953, §  3306;  56 Del. Laws, c. 380, §  1;  64 Del. Laws, c. 142, §  2;  80 Del. Laws, c. 310, § 1;
18 DE Code § 3307. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 33. Health Insurance Contracts|Subchapter I. General Provisions|§ 3307. Grace period.

§ 3307. Grace period. There shall be a provision as follows:  “A grace period of . . . (insert a number not less than “7” for weekly premium policies, “10” for monthly premium policies and “31” for all other policies) days will be granted for the payment of each premium falling due after the first premium, during which grace period the policy shall continue in force.”  A policy in which the insurer reserves the right to refuse any renewal shall have, at the beginning of the above provision:  “Unless not less than five days prior to the premium due date the company has delivered to the insured or has mailed to his/her last address as shown by the records of the company written notice of its intention not to renew this policy beyond the period for which the premium has been accepted.” 18 Del. C. 1953, §  3307;  56 Del. Laws, c. 380, §  1;  70 Del. Laws, c. 186, §  1;  80 Del. Laws, c. 310, § 1;