reglab/housing_qa huggingface dataset:
ID Code § 41-1833 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 18 - THE INSURANCE CONTRACT|Section 41-1833 - EXEMPTION OF PROCEEDS — LIFE INSURANCE.

41-1833. EXEMPTION OF PROCEEDS — LIFE INSURANCE. (1) If a policy of insurance, whether heretofore or hereafter issued, is effected by any person on his own life, or on another life, in favor of a person other than himself, or, except in cases of transfer with intent to defraud creditors, if a policy of life insurance is assigned or in any way made payable to any such person, the lawful beneficiary or assignee thereof, other than the insured or the person so effecting such insurance or executors or administrators of such insured or the person so effecting such insurance, shall be entitled to its proceeds and avails against the creditors and representatives of the insured and of the person effecting the same, whether or not the right to change the beneficiary is reserved or permitted, and whether or not the policy is made payable to the person whose life is insured if the beneficiary or assignee shall predecease such person, and such proceeds and avails shall be exempt from all liability for any debt of the beneficiary existing at the time the policy is made available for his use: provided, that subject to the statute of limitations, the amount of any premiums for such insurance paid with intent to defraud creditors, with interest thereon, shall inure to their benefit from the proceeds of the policy; but the insurer issuing the policy shall be discharged of all liability thereon by payment of its proceeds in accordance with its terms, unless, before such payment, the insurer shall have received written notice at its home office, by or in behalf of a creditor, of a claim to recover for transfer made or premiums paid with intent to defraud creditors, with specification of the amount claimed. (2) For the purposes of subsection (1) above, a policy shall also be deemed to be payable to a person other than the insured if and to the extent that a facility-of-payment clause or similar clause in the policy permits the insurer to discharge its obligation after the death of the individual insured by paying the death benefits to a person as permitted by such clause. (3) This section shall not be affected by the terms of section 15-6-107, Idaho Code.  History: [41-1833, added 1961, ch. 330, sec. 425, p. 645; am. 2003, ch. 248, sec. 1, p. 639.]
ID Code § 41-1834 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 18 - THE INSURANCE CONTRACT|Section 41-1834 - EXEMPTION OF PROCEEDS — DISABILITY INSURANCE.

41-1834. EXEMPTION OF PROCEEDS — DISABILITY INSURANCE. Except as may otherwise be expressly provided by the policy or contract, the proceeds or avails of all contracts of disability 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 use. This section shall not be affected by the terms of section 15-6-107, Idaho Code.  History: [41-1834, added 1961, ch. 330, sec. 426, p. 645; am. 2003, ch. 248, sec. 2, p. 640.]
ID Code § 41-1835 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 18 - THE INSURANCE CONTRACT|Section 41-1835 - EXEMPTION OF PROCEEDS — GROUP INSURANCE.

41-1835. EXEMPTION OF PROCEEDS — GROUP INSURANCE. (1) A policy of group life insurance or group disability 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 beneficiary or of any other person having a right under the policy. The proceeds thereof, when not made payable to a named beneficiary or to a third person pursuant to a facility-of-payment clause, shall not constitute a part of the estate of the individual insured for the payment of his debts. (2) This section shall not apply to group insurance issued pursuant to this code to a creditor covering his debtors, to the extent that such proceeds are applied to payment of the obligation for the purpose of which the insurance was so issued. (3) This section shall not be affected by the terms of section 15-6-107, Idaho Code.  History: [41-1835, added 1961, ch. 330, sec. 427, p. 645; am. 2003, ch. 248, sec. 3, p. 640.]
ID Code § 41-1837 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 18 - THE INSURANCE CONTRACT|Section 41-1837 - RETURN OF UNEARNED PREMIUMS ON DESTRUCTION OF PROPERTY.

41-1837. RETURN OF UNEARNED PREMIUMS ON DESTRUCTION OF PROPERTY. In the event of the total destruction of any insured property, on which the total amount of loss or agreed loss shall be less than the total amount insured thereon, the insurer or insurers shall return to the insured the unearned insurance premium for the excess of the insurance over the appraised or agreed loss, to be paid at the same time and in the same manner as the loss shall be paid.  History: [41-1837, added 1961, ch. 330, sec. 429, p. 645.]
ID Code § 41-1838 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 18 - THE INSURANCE CONTRACT|Section 41-1838 - VENUE OF SUITS AGAINST INSURERS.

41-1838. VENUE OF SUITS AGAINST INSURERS. Suit upon causes of action arising within this state against an insurer upon an insurance contract shall be brought in the county where the cause of action arose or in the county where the policy holder instituting such action resides.  History: [41-1838, added 1961, ch. 330, sec. 430, p. 645.]
ID Code § 41-1840 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 18 - THE INSURANCE CONTRACT|Section 41-1840 - PREPAYMENT OF CLAIMS.

41-1840. PREPAYMENT OF CLAIMS. (1) No payment or payments made by any person, or by his insurer by virtue of an insurance policy, on account of bodily injury or death or damage to or loss of property of another, shall constitute an admission of liability or waiver of defense as to such injury, death, loss or damage, or be admissible in evidence in any action brought against the insured person or his insurer for damages, indemnity or benefits arising out of such injury, death, loss or damage unless pleaded as a defense to the action. (2) All such payments shall be credited upon any settlement with respect to the same damage, expense or loss made by, or judgment or award rendered therefor in such an action against, the payor or his insurer, and in favor of any person to whom or on whose account payment was made.  History: [41-1840, as added by 1969, ch. 214, sec. 49, p. 625.]
ID Code § 41-1841 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 18 - THE INSURANCE CONTRACT|Section 41-1841 - BLOCK CANCELLATIONS AND BLOCK NONRENEWALS — NOTICE TO DIRECTOR REQUIRED.

41-1841. BLOCK CANCELLATIONS AND BLOCK NONRENEWALS — NOTICE TO DIRECTOR REQUIRED. (1) Any insurer intending to implement block cancellations or block nonrenewals of insurance policies shall provide the director written notice of such intentions no later than one hundred twenty (120) days prior to such intended action. Such notice shall fully set forth reasons for such action and shall include additional information that the director may deem appropriate. Failure by any insurer to comply with the requirements of this section shall constitute a violation of the provisions of this section and shall render any policy cancellations or nonrenewals by the insurer null and void and without effect. The failure of any insurer to comply with the requirements of this section shall not affect the contract rights of insureds. (2) At the end of sixty (60) days the intended insurer action shall be deemed approved unless prior thereto it has been affirmatively approved by order of the director. (3) Block cancellations or block nonrenewals for the provisions of this section and the enforcement of this code, shall be defined to include any of the following: cancellation or nonrenewal of any class, line, type or subject of insurance, or the withdrawal from the business of insurance in Idaho. (4) The requirements of this section are not a waiver or limitation of the provisions of this code, or other laws of this state, but are additional requirements. (5) The director may issue reasonable regulations to establish requirements for reporting required herein.  History: [41-1841, added 1986, ch. 310, sec. 1, p. 762.]
ID Code § 41-1843 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 18 - THE INSURANCE CONTRACT|Section 41-1843 - INSURANCE RATES AND CREDIT RATING.

41-1843. INSURANCE RATES AND CREDIT RATING. (1) No insurer regulated pursuant to this title shall charge a higher premium than would otherwise be charged, or cancel, nonrenew or decline to issue a property or casualty policy or coverage based primarily upon an individual’s credit rating or credit history. (2) As used in this section, "based primarily" means that the weight given by the insurer to an individual’s credit rating or credit history exceeds the weight given by the insurer to all other criteria considered in making the decision to charge a higher premium or to cancel, nonrenew or decline to issue an insurance policy. (3) This section shall apply only to property or casualty insurance, as defined in chapter 5, title 41, Idaho Code, to be used primarily for personal, family or household purposes.  History: [41-1843, added 2002, ch. 264, sec. 1, p. 786.]
ID Code § 41-1844 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 18 - THE INSURANCE CONTRACT|Section 41-1844 - PRESCRIPTION DRUG BENEFIT RESTRICTIONS PROHIBITED.

41-1844. PRESCRIPTION DRUG BENEFIT RESTRICTIONS PROHIBITED. (1) A group policy or contract providing for third-party payment or prepayment for prescription drugs may designate an affiliated mail order pharmacy or other specific pharmacy but it shall not require a person covered under the policy or contract to obtain prescription drugs from the mail order pharmacy or any specifically designated pharmacy, nor shall it set forth provisions for the payment of additional fees or deductibles by the covered person as a condition of obtaining benefits for prescription drugs if a registered pharmacy selected by the covered person agrees to provide pharmaceutical services under the same terms and conditions as those provided by said mail order pharmacy or specifically designated pharmacy. (2) Group policy or contracts providing for third-party payment or for prescription drugs delivered, issued for delivery, continued, or renewed in this state on or after July 1, 1991, are subject to the provisions of this section.  History: [41-1844, added 1991, ch. 123, sec. 1, p. 268.]
ID Code § 41-1845 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 18 - THE INSURANCE CONTRACT|Section 41-1845 - RECREATIONAL-RELATED ACTIVITIES.

41-1845. RECREATIONAL-RELATED ACTIVITIES. (1) No company providing health insurance benefits may: (a) Deny health care coverage to any individual based solely on that individual’s casual or nonprofessional participation in the following activities: motorcycling, snowmobiling, off-highway vehicle riding, skiing, snowboarding, horseback riding or similar activities; or (b) Exclude medical benefits under health care coverage to any covered individual based solely on that individual’s casual or nonprofessional participation in the following activities: motorcycling, snowmobiling, off-highway vehicle riding, skiing, snowboarding, horseback riding or similar activities. (2) Nothing in this section shall preclude, alter or otherwise affect the subrogation rights of companies providing health insurance benefits.  History: [41-1845, added 2003, ch. 303, sec. 1, p. 833.]
ID Code § 41-1846 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 18 - THE INSURANCE CONTRACT|Section 41-1846 - HEALTH CARE POLICIES — APPLICABILITY — REQUIREMENT.

41-1846. HEALTH CARE POLICIES — APPLICABILITY — REQUIREMENT. (1) An insurer offering a health care policy that does not meet the definition of a managed care plan as provided in section 41-3903(15), Idaho Code: (a) Must have the intent to render and the capability for rendering or providing coverage for good quality health care services, which will be and are readily available and accessible to its insureds both within and outside the state of Idaho, and such services must be reasonably responsive to the needs of insureds; (b) When "emergency services" are provided, they shall be provided as set forth in section 41-3903(7), Idaho Code, and shall not require prior authorization; (c) Shall include on its website and/or send annually to its policyholders: (i) A statement as to whether the plan includes a limited formulary of medications and a statement that the formulary will be made available to any member on request; (ii) Notification of any change in benefits; and (iii) A description of all prior authorization review procedures for health care services; (d) Shall adopt procedures for a timely review by a licensed physician, peer provider or peer review panel when a claim has been denied as not medically necessary or as experimental. The procedure shall provide for a written statement of the reasons the service was denied and transmittal of that information to the appropriate provider for inclusion in the insured’s permanent medical record; (e) When prior approval for a covered service is required of and obtained by or on behalf of an insured, the approval for the specific procedure shall be final and may not be rescinded after the covered service has been provided except in cases of fraud, misrepresentation, nonpayment of premium, exhaustion of benefits or if the insured for whom the prior approval was granted is not enrolled at the time the covered service was provided; and (f) Shall not offer a provider any incentive that includes a specific payment made, in any type or form, to the provider as an inducement to deny, reduce, limit, or delay specific, medically necessary, and appropriate services covered by the health care policy. (2) No health care provider shall require an insured to make additional payments for covered services under a policy subject to subsection (1) of this section, other than specified deductibles, copayments or coinsurance once a provider has agreed in writing to accept the insurer’s reimbursement rate to provide a covered service.  History: [41-1846, added 2004, ch. 283, sec. 1, p. 798.]
ID Code § 41-1847 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 18 - THE INSURANCE CONTRACT|Section 41-1847 - ASSIGNMENT OF HEALTH INSURANCE CONTRACTS.

41-1847. ASSIGNMENT OF HEALTH INSURANCE CONTRACTS. (1) No insurer, as defined in section 41-5601, Idaho Code, shall assign the benefits of any contract with a practitioner or facility, as defined in section 41-5601, Idaho Code, that contains an agreement by the practitioner or facility to provide services to a patient covered by the insurer at a fee which is discounted from that practitioner’s or facility’s usual and customary fee, unless the contract between the insurer and the practitioner or facility, in conspicuous and plain language, specifically permits the contract to be assigned. (2) An insurer shall send prompt written or electronic notice to the practitioner or facility, in conformance with the notice provisions of the contract between the insurer and the practitioner or facility, of each assignment it makes that is permitted by subsection (1) of this section. The notice shall identify the name and principal business address of each assignee. (3) An assignment in violation of this section shall be void. The director shall enforce the provisions of this section and shall review and, if appropriate, investigate complaints received by the department related to noncompliance with the provisions of this section. If the director determines an insurer has violated the provisions of this section, the director may impose an administrative fine not to exceed five thousand dollars ($5,000) based upon an enforcement action. The director shall not suspend or revoke an insurer’s certificate of authority for violation of this section. This section shall not create a private cause of action by or on behalf of a beneficiary or practitioner or facility against an insurer.  History: [41-1847, added 2008, ch. 139, sec. 1, p. 400.]
ID Code § 41-1848 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 18 - THE INSURANCE CONTRACT|Section 41-1848 - LEGISLATIVE FINDINGS AND PURPOSE — COVERAGE FOR ABORTIONS IN STATE EXCHANGE PROHIBITED.

41-1848. LEGISLATIVE FINDINGS AND PURPOSE — COVERAGE FOR ABORTIONS IN STATE EXCHANGE PROHIBITED. (1) The legislature finds that: (a) Pursuant to section 1303 of the patient protection and affordable care act, P.L. 111-148, states are explicitly permitted to pass laws prohibiting qualified health plans offered through an exchange in their state from offering abortion coverage; (b) It is the longstanding policy of this state to prefer live childbirth over abortion and to prohibit the use of taxpayer moneys to fund abortions unless the mother’s life is at risk or the pregnancy is a result of rape or incest; (c) Idaho law prohibits certain insurance plans, policies and contracts issued in this state from offering coverage for elective abortions; and (d) It is the purpose of this section to affirmatively prohibit qualified health plans that cover abortions from participating in exchanges within this state. (2) Notwithstanding any other provision of law, no abortion coverage may be provided by a qualified health plan offered through an exchange created pursuant to the patient protection and affordable care act, P.L. 111-148, within the state of Idaho. (3) The provisions of subsection (2) of this section shall not apply to an abortion performed if it is the recommendation of one (1) consulting physician that an abortion is necessary to save the life of the mother, or if the pregnancy is a result of rape, as defined in section 18-6101, Idaho Code, or incest as determined by the courts.  History: [41-1848, added 2011, ch. 152, sec. 1, p. 436.]
ID Code § 41-1852 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 18 - THE INSURANCE CONTRACT|Section 41-1852 - DISCRIMINATION AGAINST LIVING ORGAN DONORS PROHIBITED.

41-1852. DISCRIMINATION AGAINST LIVING ORGAN DONORS PROHIBITED. (1) For purposes of this section, "policy" means a life insurance policy, disability insurance policy or long-term care insurance policy. (2) Notwithstanding any provision of law to the contrary, it shall be unlawful to discriminate against a person in the offering, issuance, cancellation, price or conditions of a policy, or in the amount of coverage provided under a policy, based solely and without any additional actuarial risks on the status of such person as a living organ donor. (3) The director of the department of insurance may take such actions authorized under this title that are necessary to enforce this section.  History: [41-1852, added 2018, ch. 167, sec. 1, p. 341.]
ID Code § 41-1901 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 19 - LIFE INSURANCE POLICIES AND ANNUITY CONTRACTS|Section 41-1901 - SCOPE OF CHAPTER.

41-1901. SCOPE OF CHAPTER. This chapter applies only to contracts of life insurance and annuities, other than reinsurance, group life insurance and group annuities.  History: [41-1901, added 1961, ch. 330, sec. 432, p. 645.]
ID Code § 41-1902 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 19 - LIFE INSURANCE POLICIES AND ANNUITY CONTRACTS|Section 41-1902 - “INDUSTRIAL LIFE INSURANCE” DEFINED.

41-1902. "INDUSTRIAL LIFE INSURANCE" DEFINED. For the purposes of this code "industrial life insurance" is that form of life insurance written under policies of face amount of one thousand dollars ($1,000) or less bearing the words "industrial policy" imprinted on the face thereof as part of the descriptive matter, and under which premiums are payable monthly or more often.  History: [41-1902, added 1961, ch. 330, sec. 433, p. 645.]
ID Code § 41-1903 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 19 - LIFE INSURANCE POLICIES AND ANNUITY CONTRACTS|Section 41-1903 - STANDARD PROVISIONS REQUIRED.

41-1903. STANDARD PROVISIONS REQUIRED. (1) No policy of life insurance other than group, and pure endowments with or without return of premiums or of premiums and interest, shall be delivered or issued for delivery in this state unless it contains in substance all of the applicable provisions required by sections 41-1904 to 41-1915, [Idaho Code,] inclusive, of this chapter. This section shall not apply to annuity contracts nor to any provision of a life insurance policy, or contract supplemental thereto, relating to disability benefits or to additional benefits in the event of death by accident or accidental means. (2) Any of such provisions or portions thereof not applicable to single premium or term policies shall to that extent not be incorporated therein.  History: [41-1903, added 1961, ch. 330, sec. 434, p. 645.]
ID Code § 41-1904 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 19 - LIFE INSURANCE POLICIES AND ANNUITY CONTRACTS|Section 41-1904 - GRACE PERIOD.

41-1904. GRACE PERIOD. There shall be a provision that a grace period of thirty (30) days, or, at the option of the insurer, of one (1) month of not less than thirty (30) days, or of four (4) weeks in the case of industrial life insurance policies the premiums for which are payable more frequently than monthly, shall be allowed within which the payment of any premium after the first policy year may be made, during which period of grace the policy shall continue in full force; the insurer may impose an interest charge not in excess of six per cent (6%) per annum for the number of days of grace elapsing before the payment of the premium, and, whether or not such interest charge is imposed, if a claim arises under the policy during such period of grace the amount of any premium due or overdue, together with interest and any deferred instalment of the annual premium, may be deducted from the policy proceeds.  History: [41-1904, added 1961, ch. 330, sec. 435, p. 645.]
ID Code § 41-1905 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 19 - LIFE INSURANCE POLICIES AND ANNUITY CONTRACTS|Section 41-1905 - INCONTESTABILITY.

41-1905. INCONTESTABILITY. There shall be a provision that the policy (exclusive of provisions relating to disability benefits or to additional benefits in the event of death by accident or accidental means) shall be incontestable, except for nonpayment of premiums, after it has been in force during the lifetime of the insured for a period of two (2) years from its date of issue.  History: [41-1905, added 1961, ch. 330, sec. 436, p. 645.]
ID Code § 41-1906 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 19 - LIFE INSURANCE POLICIES AND ANNUITY CONTRACTS|Section 41-1906 - ENTIRE CONTRACT.

41-1906. ENTIRE CONTRACT. There shall be a provision that the policy, or the policy and the application therefor if a copy of such application is endorsed upon or attached to the policy when issued, shall constitute the entire contract between the parties, and that all statements contained in such an application shall, in the absence of fraud, be deemed representations and not warranties.  History: [41-1906, added 1961, ch. 330, sec. 437, p. 645.]
ID Code § 41-1907 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 19 - LIFE INSURANCE POLICIES AND ANNUITY CONTRACTS|Section 41-1907 - MISSTATEMENT OF AGE.

41-1907. MISSTATEMENT OF AGE. There shall be a provision that if the age of the insured or of any other person whose age is considered in determining the premium or benefit has been misstated, any amount payable or benefit accruing under the policy shall be such as the premium would have purchased at the correct age or ages.  History: [41-1907, added 1961, ch. 330, sec. 438, p. 645.]