reglab/housing_qa huggingface dataset:
ID Code § 41-3437 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 34 - HOSPITAL AND PROFESSIONAL SERVICE CORPORATIONS|Section 41-3437 - REQUIRED PROVISIONS — INFANTS.

41-3437. REQUIRED PROVISIONS — INFANTS. (a) A subscriber’s contract, delivered or issued for delivery in this state which provides coverage for injury or sickness for newborn dependent children of subscribers or other members of the covered group, shall provide coverage for such newborn children, including adopted newborn children that are placed with the adoptive subscriber or other member of the covered group within sixty (60) days of the adopted child’s date of birth, from and after the moment of birth. Coverage under the contract for an adopted newborn child placed with the adoptive subscriber or other member of the covered group more than sixty (60) days after the birth of the adopted child shall be from and after the date the child is so placed. Coverage provided in accord with this section shall include, but not be limited to, coverage for congenital anomalies. For the purposes of this section, "child" means an individual who has not attained age eighteen (18) years as of the date of the adoption or placement for adoption. For the purposes of this section, "placed" shall mean physical placement in the care of the adoptive subscriber or other member of the covered group, or in those circumstances in which such physical placement is prevented due to the medical needs of the child requiring placement in a medical facility, it shall mean when the adoptive subscriber or other member of the covered group signs an agreement for adoption of such child and signs an agreement assuming financial responsibility for such child. Prior to legal finalization of adoption, the coverage required under the provisions of this subsection as to a child placed for adoption with a subscriber or other member of the covered group continues in the same manner as it would with respect to a naturally born child of the subscriber or other member of the covered group until the first to occur of the following events: (1) Date the child is removed permanently from that placement and the legal obligation terminates; or (2) The date the subscriber or other member of the covered group rescinds, in writing, the agreement of adoption or agreement assuming financial responsibility. (b) A service corporation shall not restrict coverage under a subscriber’s contract of any dependent child adopted by a participant or beneficiary, or placed with a participant or beneficiary for adoption, solely on the basis of a preexisting condition of the child at the time the child would otherwise become eligible for coverage under the plan, if the adoption or placement for adoption occurs while the participant or beneficiary is eligible for coverage under the plan.  History: [I.C., sec. 41-3437, as added by 1974, ch. 66, sec. 4, p. 1146; am. 1993, ch. 305, sec. 3, p. 1132; am. 1994, ch. 365, sec. 6, p. 1156.]
ID Code § 41-3438 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 34 - HOSPITAL AND PROFESSIONAL SERVICE CORPORATIONS|Section 41-3438 - COMPLICATIONS OF PREGNANCY.

41-3438. COMPLICATIONS OF PREGNANCY. No hospital or medical service corporation contract which provides maternity benefits for a person covered continuously from conception shall be issued, amended, delivered, or renewed in this state on or after January 1, 1977, if it contains any exclusion, reduction, or other limitations as to coverage, deductibles, or coinsurance provisions as to involuntary complications of pregnancy, unless such provisions apply generally to all benefits paid under the contract. If a fixed amount is specified in such contract for surgery, the fixed amounts for surgical procedures involving involuntary complications of pregnancy shall be commensurate with other fixed amounts payable for procedures of comparable difficulty and severity. In a case where a fixed amount is payable for maternity benefits, involuntary complications of pregnancy shall be deemed an illness and entitled to benefits otherwise provided by the contract. Where the contract contains a maternity deductible, the maternity deductible shall apply only to expenses resulting from normal delivery and cesarean section delivery; however, expenses for cesarean section delivery in excess of the deductible shall be treated as expenses for any other illness under the contract. This section shall apply to all hospital or medical service corporation contracts except any group hospital or medical service corporation contract made subject to an applicable collective-bargaining agreement in effect before January 1, 1977. For purposes of this section, involuntary complications of pregnancy shall include, but not be limited to, puerperal infection, eclampsia, cesarean section delivery, ectopic pregnancy, and toxemia. All contracts subject to this section and issued, amended, delivered, or renewed in this state on or after January 1, 1977, shall be construed to be in compliance with this section, and any provision in any such contract which is in conflict with this section shall be of no force or effect.  History: [41-3438, added 1976, ch. 113, sec. 3, p. 445.]
ID Code § 41-3439 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 34 - HOSPITAL AND PROFESSIONAL SERVICE CORPORATIONS|Section 41-3439 - LIMITATION OF BENEFITS FOR ELECTIVE ABORTIONS.

41-3439. LIMITATION OF BENEFITS FOR ELECTIVE ABORTIONS. All individual nongroup or subscriber’s policies, contracts, plans or certificates delivered, issued for delivery or renewed in this state after the effective date of this section shall exclude coverage for elective abortions except. Such exclusion may be waived by endorsement and the payment of a premium therefor. Availability of such coverage shall be at the option of the service corporation. For purposes of this section, an "elective abortion" means an abortion for any reason other than to preserve the life of the female upon whom the abortion is performed.  History: [41-3439, added 1983, ch. 94, sec. 3, p. 207.]
ID Code § 41-3440 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 34 - HOSPITAL AND PROFESSIONAL SERVICE CORPORATIONS|Section 41-3440 - SERVICES PROVIDED BY GOVERNMENTAL ENTITIES.

41-3440. SERVICES PROVIDED BY GOVERNMENTAL ENTITIES. (1) From and after July 1, 1990, no hospital or professional service corporation subscriber’s contract shall be issued in Idaho which excludes from coverage services rendered the subscriber while a resident in an Idaho state institution, provided the services to the subscriber would be covered by the contract if rendered to him outside an Idaho state institution. (2) From and after July 1, 1990, no hospital or professional service corporation subscriber’s contract may contain any provision denying or reducing benefits otherwise provided under the policy for the reason that the person insured is receiving health or mental health care or developmental services provided by the department of health and welfare, whether or not the department of health and welfare bases its charges for such services on the recipient’s ability to pay. Provided, nothing in this section shall prevent the issuance of a contract which excludes or reduces benefits where the charge level or amount of the charge levied by a governmental entity for such services would vary or be affected in any way by the existence of coverage under a hospital or professional service corporation subscriber contract.  History: [41-3440, added 1990, ch. 300, sec. 3, p. 829.]
ID Code § 41-3441 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 34 - HOSPITAL AND PROFESSIONAL SERVICE CORPORATIONS|Section 41-3441 - MAMMOGRAPHY COVERAGE.

41-3441. MAMMOGRAPHY COVERAGE. (1) From and after July 1, 1992, all group subscriber’s contracts which provide coverage for the surgical procedure known as a mastectomy which are delivered, issued for delivery, continued or renewed in this state shall provide minimum mammography examination or equivalent examination coverage. Such coverage shall include at least the following benefits: (a) One (1) baseline mammogram for any woman who is thirty-five (35) through thirty-nine (39) years of age. (b) A mammogram every two (2) years for any woman who is forty (40) through forty-nine (49) years of age, or more frequently if recommended by the woman’s physician. (c) A mammogram every year for any woman who is fifty (50) years of age or older. (d) A mammogram for any woman desiring a mammogram for medical cause. Such coverage shall not exceed the cost of the examination. (2) As used in this section, "mastectomy" means the removal of all or part of the breast for medically necessary reasons as determined by a licensed physician. (3) Nothing in this section shall apply to specified accident, specified disease, hospital indemnity, medicare supplement, long-term care or other limited benefit health insurance policies.  History: [41-3441, added 1992, ch. 132, sec. 3, p. 415; am. 1993, ch. 113, sec. 3, p. 289.]
ID Code § 41-3443 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 34 - HOSPITAL AND PROFESSIONAL SERVICE CORPORATIONS|Section 41-3443 - BEST PRICE — MOST FAVORED NATIONS CLAUSE PROHIBITED.

41-3443. BEST PRICE — MOST FAVORED NATIONS CLAUSE PROHIBITED. No service corporation may require, as an element of any service agreement, that any licensee or hospital agree: (1) To the unnegotiated adjustment by the service corporation of the licensee’s or hospital’s contractual reimbursement rate to equal the lowest reimbursement rate the licensee or hospital has agreed to charge any other payor; (2) To a requirement that the licensee or hospital adjust, or enter into negotiations to adjust, their charges to the service corporation if the licensee or hospital agrees to charge another payor lower rates; or (3) To a requirement that the licensee or hospital disclose his, her or its contractual reimbursement rates from other payors.  History: [41-3443, added 1998, ch. 422, sec. 3, p. 1334.]
ID Code § 41-3601 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 36 - INSURANCE GUARANTY ASSOCIATION|Section 41-3601 - SHORT TITLE.

41-3601. SHORT TITLE. This act shall be known and may be cited as the "Idaho insurance guaranty association act."  History: [41-3601, added 1970, ch. 152, sec. 1, p. 462.]
ID Code § 41-3603 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 36 - INSURANCE GUARANTY ASSOCIATION|Section 41-3603 - APPLICATION OF ACT.

41-3603. APPLICATION OF ACT. This act shall apply to all kinds of direct insurance, but shall not be applicable to the following: (1) Life, annuity, health or disability insurance; (2) Residual value, mortgage guaranty, financial guaranty or other forms of insurance offering protection against investment risks; (3) Fidelity or surety bonds, or any other bonding obligations; (4) Credit insurance, vendors’ single interest insurance, or collateral protection insurance or any similar insurance protecting the interests of a creditor arising out of a creditor-debtor transaction; (5) Insurance of warranties or service contracts, including insurance that provides for the repair, replacement or service of goods or property, indemnification for repair, replacement or service for the operational or structural failure of the goods or property due to a defect in materials, workmanship, or normal wear and tear, or provides reimbursement for the liability incurred by the issuer of agreements or service contracts that provide such benefits; (6) Title insurance; (7) Ocean marine insurance; (8) Any transaction or combination of transactions between a person (including affiliates of such person) and an insurer (including affiliates of such insurer) which involves the transfer of investment or credit risk unaccompanied by transfer of insurance risk; (9) Any insurance provided by or guaranteed by government including, but not limited to the state insurance fund, created pursuant to chapter 9, title 72, Idaho Code, and the Idaho petroleum clean water trust fund, created pursuant to chapter 49, title 41, Idaho Code; (10) Any insurance provided by or through any reciprocal insurer which exclusively insures members who are governmental entities; (11) Insurance written on a retroactive basis to cover known losses for which a claim has already been made and the claim is known to the insurer at the time the insurance is bound; or (12) Domestic reciprocal insurers with fewer than seven (7) subscribers which insure only worker’s compensation risks and which only issue fully assessable policies.  History: [41-3603, added 1970, ch. 152, sec. 3, p. 462; am. 1991, ch. 121, sec. 1, p. 264; am. 1991, ch. 252, sec. 2, p. 620; am. 1992, ch. 316, sec. 1, p. 942; am. 1993, ch. 279, sec. 4, p. 947; am. 1997, ch. 109, sec. 2, p. 256.]
ID Code § 41-3606 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 36 - INSURANCE GUARANTY ASSOCIATION|Section 41-3606 - INSURANCE GUARANTY ASSOCIATION — INSURERS REQUIRED TO BE MEMBERS — PURPOSES.

41-3606. INSURANCE GUARANTY ASSOCIATION — INSURERS REQUIRED TO BE MEMBERS — PURPOSES. There is created a nonprofit unincorporated legal entity to be known as the Idaho insurance guaranty association. All insurers defined as member insurers shall be and remain members of the association as a condition of their authority to transact insurance in this state. The association shall perform its functions under a plan of operation established and approved under section 41-3609, Idaho Code, and shall exercise its powers through a board of directors established under section 41-3607, Idaho Code. For purposes of administration and assessment, the association shall maintain one (1) account. Any accounts in existence on June 30, 2001, shall be consolidated into one (1) account.  History: [41-3606, added 1970, ch. 152, sec. 6, p. 462; am. 2001, ch. 155, sec. 2, p. 560.]
ID Code § 41-3607 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 36 - INSURANCE GUARANTY ASSOCIATION|Section 41-3607 - BOARD OF DIRECTORS — NUMBER — ELECTION OR APPOINTMENT — REIMBURSEMENT FOR EXPENSES.

41-3607. BOARD OF DIRECTORS — NUMBER — ELECTION OR APPOINTMENT — REIMBURSEMENT FOR EXPENSES. (1) The board of directors of the association shall consist of not less than five (5) nor more than nine (9) persons serving terms as established in the plan of operation. The members of the board shall be selected by member insurers subject to the approval of the director. Vacancies on the board shall be filled for the remaining period of the term by a majority vote of the remaining board members subject to the approval of the director. If no members are selected within sixty (60) days after May 6, 1970, the director may appoint the initial members of the board of directors. (2) In approving selections to the board, the director shall consider among other things whether all member insurers are fairly represented. (3) Members of the board may be reimbursed from the assets of the association for expenses incurred by them as members of the board of directors.  History: [41-3607, added 1970, ch. 152, sec. 7, p. 462; am. 1997, ch. 109, sec. 5, p. 258.]
ID Code § 41-3610 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 36 - INSURANCE GUARANTY ASSOCIATION|Section 41-3610 - DUTIES AND POWERS OF DIRECTOR — JUDICIAL REVIEW.

41-3610. DUTIES AND POWERS OF DIRECTOR — JUDICIAL REVIEW. (1) The director shall: (a) Notify the association of the existence of an insolvent insurer not later than three (3) days after he receives notice of the determination of the insolvency. The association shall be entitled to a copy of any complaint seeking an order of liquidation with a finding of insolvency against a member company at the same time that such complaint is filed with a court of competent jurisdiction. (b) Upon request of the board of directors, provide the association with a statement of the net direct written premiums of each member insurer. (2) The director may: (a) Suspend or revoke, after notice and hearing, the certificate of authority to transact insurance in this state of any member insurer which fails to pay an assessment when due or fails to comply with the plan of operation. As an alternative, the director may levy a fine on any member insurer which fails to pay an assessment when due. Such fine shall not exceed five per cent (5%) of the unpaid assessment per month, except that no fine shall be less than one hundred dollars ($100) per month. (b) Revoke the designation of any servicing facility if he finds claims are being handled unsatisfactorily. (3) Any final action or order of the director under this act shall be subject to judicial review in a court of competent jurisdiction.  History: [41-3610, added 1970, ch. 152, sec. 10, p. 462; am. 1997, ch. 109, sec. 8, p. 262.]
ID Code § 41-3611 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 36 - INSURANCE GUARANTY ASSOCIATION|Section 41-3611 - SUBROGATION OF ASSOCIATION TO RIGHTS OF CLAIMANTS — RECEIVER, LIQUIDATOR, OR SUCCESSOR BOUND BY ASSOCIATION CLAIM SETTLEMENTS — PERIODIC FILING OF STATEMENTS OF PAID CLAIMS WITH RECEIVER OR LIQUIDATOR.

41-3611. SUBROGATION OF ASSOCIATION TO RIGHTS OF CLAIMANTS — RECEIVER, LIQUIDATOR, OR SUCCESSOR BOUND BY ASSOCIATION CLAIM SETTLEMENTS — PERIODIC FILING OF STATEMENTS OF PAID CLAIMS WITH RECEIVER OR LIQUIDATOR. (1) Any person recovering under this act shall be deemed to have assigned his rights under the policy to the association to the extent of his recovery from the association. Every insured or claimant seeking the protection of this act shall cooperate with the association to the same extent as such person would have been required to cooperate with the insolvent insurer. The association shall have no cause of action against the insured of the insolvent insurer for any sums it has paid out except such causes of action as the insolvent insurer would have had if such sums had been paid by the insolvent insurer. In the case of an insolvent insurer operating on a plan with assessment liability, payments of claims of the association shall not operate to reduce the liability of insureds to the receiver, liquidator, or statutory successor for unpaid assessments. (2) The receiver, liquidator, or statutory successor of an insolvent insurer shall be bound by settlements of claims made by the association or a similar organization in another state to the extent such determinations or settlements satisfy obligations of the association. The receiver shall not be bound in any way by such determinations or settlements to the extent there remains a claim against the insolvent insurer. The court having jurisdiction shall grant such claims priority equal to that which the claimant would have been entitled in the absence of this act against the assets of the insolvent insurer. The expenses of the association or similar organization in handling claims shall be accorded the same priority as the liquidator’s expenses. (3) The association shall periodically file with the receiver or liquidator of the insolvent insurer statements of the covered claims paid by the association and estimates of anticipated claims on the association which shall preserve the rights of the association against the assets of the insolvent insurer.  History: [41-3611, added 1970, ch. 152, sec. 11, p. 462; am. 1997, ch. 109, sec. 9, p. 263.]
ID Code § 41-3612 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 36 - INSURANCE GUARANTY ASSOCIATION|Section 41-3612 - EXHAUSTION OF OTHER COVERAGE.

41-3612. EXHAUSTION OF OTHER COVERAGE. (1) Any person having a claim against an insurer, whether or not the insurer is a member insurer, under any provision in an insurance policy other than a policy of an insolvent insurer which is also a covered claim, shall be required to exhaust first his right under such policy. Any amount payable on a covered claim under this act shall be reduced by the amount of any recovery under such insurance policy. (2) Any person having a claim which may be recovered under more than one insurance guaranty association or its equivalent shall seek recovery first from the association of the place of residence of the insured except that if it is a first party claim for damage to property with a permanent location, he shall seek recovery first from the association of the location of the property, and if it is a worker’s compensation claim, he shall seek recovery first from the association of the residence of the claimant. Any recovery under this act shall be reduced by the amount of recovery from any other insurance guaranty association or its equivalent.  History: [41-3612, added 1970, ch. 152, sec. 12, p. 462; am. 1997, ch. 109, sec. 10, p. 264.]
ID Code § 41-3613 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 36 - INSURANCE GUARANTY ASSOCIATION|Section 41-3613 - PREVENTION OF INSOLVENCIES.

41-3613. PREVENTION OF INSOLVENCIES. To aid in the detection and prevention of insurer insolvencies: (1) The board of directors, upon majority vote, may make recommendations to the director for the detection and prevention of insurer insolvencies. Such recommendations shall not be considered public documents. (2) The board of directors may, upon majority vote, make recommendations on matters generally relating to improving or enhancing regulation for solvency. (3) The board of directors may, at the conclusion of any domestic insurer insolvency in which the association was obligated to pay covered claims, prepare a report on the history and causes of such insolvency, based on the information available to the association and submit such report to the director. (4) All domestic insurance companies subject to the coverage of this chapter must maintain the paid-up capital stock or basic surplus and the additional surplus set forth in section 41-313, Idaho Code. (5) Domestic reciprocal insurance companies issuing only fully assessable worker’s compensation policies are not subject to coverage of this chapter but must meet the requirements of section 41-313A, Idaho Code.  History: [41-3613, added 1970, ch. 152, sec. 13, p. 462; am. 1992, ch. 316, sec. 4, p. 946; am. 1993, ch. 279, sec. 2, p. 946; am. 1997, ch. 109, sec. 11, p. 264.]
ID Code § 41-3614 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 36 - INSURANCE GUARANTY ASSOCIATION|Section 41-3614 - REGULATION BY DIRECTOR — ANNUAL REPORTS TO DIRECTOR.

41-3614. REGULATION BY DIRECTOR — ANNUAL REPORTS TO DIRECTOR. The association shall be subject to examination and regulation by the director. The board of directors shall submit, not later than March 30 of each year, a financial report for the preceding calendar year in a form approved by the director.  History: [41-3614, added 1970, ch. 152, sec. 14, p. 462.]
ID Code § 41-3615 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 36 - INSURANCE GUARANTY ASSOCIATION|Section 41-3615 - EXEMPTION FROM TAXES — EXCEPTION.

41-3615. EXEMPTION FROM TAXES — EXCEPTION. The association shall be exempt from payment of all fees and all taxes levied by this state or any of its subdivisions except taxes levied on real or personal property.  History: [41-3615, added 1970, ch. 152, sec. 15, p. 462.]