reglab/housing_qa huggingface dataset:
NM Stat § 59A-22-6 (2021)
2021 New Mexico Statutes|Chapter 59A - Insurance Code|Article 22 - Health Insurance Contracts|Section 59A-22-6 - 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 insurance company has delivered to the insured or has mailed to his last address as shown by the records of the insurer written notice of its intention not to renew this policy beyond the period for which the premium has been accepted." History: Laws 1984, ch. 127, § 427.
NM Stat § 59A-22-7 (2021)
2021 New Mexico Statutes|Chapter 59A - Insurance Code|Article 22 - Health Insurance Contracts|Section 59A-22-7 - Reinstatement.

There shall be a provision as follows: If any renewal premium be not paid within the time granted the insured for payment, a subsequent acceptance of premium by the insurer or by any agent duly authorized by the insurance company to accept such premium, without requiring in connection therewith an application for reinstatement, shall reinstate the policy; provided, however, that if the insurance company or such agent requires an application for reinstatement and issues a conditional receipt for the premium tendered, the policy will be reinstated upon approval of such application by the insurer or, lacking such approval, upon the thirtieth day following the date of such conditional receipt unless the insurance company has previously notified the insured in writing of its disapproval of such application. The reinstated policy shall cover only loss resulting from such accidental injury as may be sustained after the date of reinstatement and loss due to such sickness as may begin more than ten days after such date. In all other respects the insured and insurance company shall have the same rights thereunder as they had under the policy immediately before the due date of the defaulted premium, subject to any provisions endorsed hereon or attached hereto in connection with the reinstatement. Any premium accepted in connection with a reinstatement shall be applied to a period for which premium has not been previously paid, but not to any period more than sixty days prior to the date of reinstatement. (The last sentence of the above provision may be omitted from any policy which the insured has the right to continue in force subject to its terms by the timely payment of premiums (1) until at least age 50 or, (2) in the case of a policy issued after age 44, for at least five years from its date of issue.) History: Laws 1984, ch. 127, § 428.
NM Stat § 59A-22-8 (2021)
2021 New Mexico Statutes|Chapter 59A - Insurance Code|Article 22 - Health Insurance Contracts|Section 59A-22-8 - Notice of claim.

There shall be a provision as follows: Written notice of claim must be given to the insurance company within twenty days after the occurrence or commencement of any loss covered by the policy, or as soon thereafter as is reasonably possible. Notice given by or on behalf of the insured or the beneficiary to the insurance company at . . . . . . . . . . (insert the location of such office as the insurer may designate for the purpose) or to any authorized agent of the insurance company, with information sufficient to identify the insured, shall be deemed notice to the insurance company. (In a policy providing a loss-of-time benefit which may be payable for at least two years, an insurance company may at its option insert the following between the first and second sentences of the above provision: Subject to the qualifications set forth below, if the insured suffers loss of time on account of disability for which indemnity may be payable for at least two years, he shall at least once in every six months after having given notice of claim, give to the insurer notice of continuance of said disability, except in the event of legal incapacity. The period of six months following any filing of proof by the insured or any payment by the insurance company on account of such claim or any denial of liability in whole or in part by the insurance company shall be excluded in applying this provision. Delay in the giving of such notice shall not impair the insured's right to any indemnity which would otherwise have accrued during the period of six months preceding the date on which such notice is actually given.) History: Laws 1984, ch. 127, § 429. ANNOTATIONSAm. Jur. 2d, A.L.R. and C.J.S. references. — Clause requiring notice of claim within specified time or as soon as reasonably possible, or the like, 17 A.L.R.3d 530. Modern status of rules requiring liability insurer to show prejudice to escape liability because of insured's failure or delay in giving notice of accident or claim, or in forwarding suit papers, 32 A.L.R.4th 141.
NM Stat § 59A-22-9 (2021)
2021 New Mexico Statutes|Chapter 59A - Insurance Code|Article 22 - Health Insurance Contracts|Section 59A-22-9 - Claim forms.

There shall be a provision as follows: The insurance company, upon receipt of a notice of claim, will furnish to the claimant such forms as are usually furnished by it for filing proofs of loss. If such forms are not furnished within fifteen days after the giving of such notice the claimant shall be deemed to have complied with the requirements of this policy as to proof of loss upon submitting, within the time fixed in the policy for filing proofs of loss, written proof covering the occurrence, the character and the extent of the loss for which claim is made. History: Laws 1984, ch. 127, § 430.
NM Stat § 59A-22-10 (2021)
2021 New Mexico Statutes|Chapter 59A - Insurance Code|Article 22 - Health Insurance Contracts|Section 59A-22-10 - Proofs of loss.

There shall be a provision as follows: Written proof of loss must be furnished to the insurer at its said office in case of claim for loss for which this policy provides any periodic payment contingent upon continuing loss within ninety days after the termination of the period for which the insurer is liable and in case of claim for any other loss within ninety days after the date of such loss. Failure to furnish such proof within the time required shall not invalidate nor reduce any claim if it was not reasonably possible to give proof within such time, provided such proof is furnished as soon as reasonably possible and in no event, except in the absence of legal capacity, later than one year from the time proof is otherwise required. History: Laws 1984, ch. 127, § 431.
NM Stat § 59A-22-11 (2021)
2021 New Mexico Statutes|Chapter 59A - Insurance Code|Article 22 - Health Insurance Contracts|Section 59A-22-11 - Time of payment of claims.

There shall be a provision as follows: Indemnities payable under this policy for any loss other than loss for which this policy provides any periodic payment will be paid immediately upon receipt of due written proof of such loss. Subject to due written proof of loss, all accrued indemnities for loss for which this policy provides periodic payment will be paid . . . . . . . . . . (insert period for payment which must not be less frequently than monthly) and any balance remaining unpaid upon the terminatiion [termination] of liability will be paid immediately upon receipt of due written proof. History: Laws 1984, ch. 127, § 432. ANNOTATIONSBracketed material. — The bracketed material was inserted by the compiler and is not part of the law.
NM Stat § 59A-22-12 (2021)
2021 New Mexico Statutes|Chapter 59A - Insurance Code|Article 22 - Health Insurance Contracts|Section 59A-22-12 - Payment of claims.

There shall be a provision as follows: Indemnity for loss of life will be payable in accordance with the beneficiary designation and the provisions respecting such payment which may be prescribed herein and effective at the time of payment. If no such designation or provision is then effective, such indemnity shall be payable to the estate of the insured. Any other accrued indemnities unpaid at the insured's death may, at the option of the insurer, be paid either to such beneficiary or to such estate. All other indemnities will be payable to the insured. (The following provisions, or either of them, may be included with the foregoing provision at the option of the insurance company.) (If any indemnity of this policy shall be payable to the estate of the insured, or to an insured or beneficiary who is a minor or otherwise not competent to give valid release, the insurance company may pay such indemnity, up to an amount not exceeding $. . . . . (insert an amount which shall not exceed one thousand dollars ($1,000), to any relative by blood or connection by marriage of the insured or beneficiary who is deemed by the insurance company to be equitably entitled thereto. Any payment made by the insurance company in good faith pursuant to this provision shall fully discharge the insurance company to the extent of such payment.) (Subject to any written direction of the insured in the application or otherwise all or a portion of any indemnities provided by this policy on account of hospital, nursing, medical or surgical services may, at the insurance company's option and unless the insured requests otherwise in writing not later than the time of filing proofs of such loss, be paid directly to the hospital or person rendering such services; but it is not required that the service be rendered by a particular hospital or person.) History: Laws 1984, ch. 127, § 433.
NM Stat § 59A-22-13 (2021)
2021 New Mexico Statutes|Chapter 59A - Insurance Code|Article 22 - Health Insurance Contracts|Section 59A-22-13 - Physical examination and autopsy.

There shall be a provision as follows: The insurance company at its own expense shall have the right and opportunity to examine the person of the insured when and as often as it may reasonably require during the pendency of a claim hereunder and to make an autopsy in case of death where it is not forbidden by law. History: Laws 1984, ch. 127, § 434.
NM Stat § 59A-22-14 (2021)
2021 New Mexico Statutes|Chapter 59A - Insurance Code|Article 22 - Health Insurance Contracts|Section 59A-22-14 - Legal actions.

There shall be a provision as follows: No action at law or in equity shall be brought to recover on this policy prior to the expiration of sixty days after written proof of loss has been furnished in accordance with the requirements of this policy. No such action shall be brought after the expiration of three years after the time written proof of loss is required to be furnished. History: Laws 1984, ch. 127, § 435. ANNOTATIONSLimitations period permitted. — Pursuant to 59A-22-3 NMSA 1978, a health insurance policy could contain a four-year limitations period, and this section would not bar an action filed within that four-year period. Willey v. United Mercantile Life Ins. Co., 1999-NMCA-137, 128 N.M. 98, 990 P.2d 211.
NM Stat § 59A-22-15 (2021)
2021 New Mexico Statutes|Chapter 59A - Insurance Code|Article 22 - Health Insurance Contracts|Section 59A-22-15 - Change of beneficiary.

There shall be a provision as follows: Unless the insured makes an irrevocable designation of beneficiary, the right to change of beneficiary is reserved to the insured and the consent of the beneficiary or beneficiaries shall not be requisite to surrender or assignment of this policy or to any change of beneficiary or beneficiaries, or to any other changes in this policy. History: Laws 1984, ch. 127, § 436. ANNOTATIONSAm. Jur. 2d, A.L.R. and C.J.S. references. — Change of beneficiary of life or accident policy by will, 25 A.L.R.4th 1164.
NM Stat § 59A-22-16 (2021)
2021 New Mexico Statutes|Chapter 59A - Insurance Code|Article 22 - Health Insurance Contracts|Section 59A-22-16 - Optional provisions.

Except as provided in Section 424 [59A-22-3 NMSA 1978] of this article, no such policy delivered or issued for delivery to any person in this state shall contain provisions respecting the matters set forth in Sections 438 to 446 [59A-22-17 to 59A-22-25 NMSA 1978], inclusive, of this article, unless such provisions are in the words in which the same appear in the applicable such section; except, that the insurer may, at its option, use in lieu of any such provision a corresponding provision of different wording approved by the superintendent which is not less favorable in any respect to the insured or the beneficiary. Any such provisions contained in the policy shall be preceded individually by the appropriate caption appearing with the section in which the provision is set forth or, at the insurer's option, by such appropriate individual or group captions or subcaptions as the superintendent may approve. History: Laws 1984, ch. 127, § 437. ANNOTATIONSCross references. — For existing forms and filings, see notes following 59A-5-21 NMSA 1978.
NM Stat § 59A-22-17 (2021)
2021 New Mexico Statutes|Chapter 59A - Insurance Code|Article 22 - Health Insurance Contracts|Section 59A-22-17 - Change of occupation.

There may be a provision as follows: If the insured be injured or contract sickness after having changed his occupation to one classified by the insurance company as more hazardous than that stated in this policy or while doing for compensation anything pertaining to an occupation so classified, the insurance company will pay only such portion of the indemnities provided in this policy as the premium paid would have purchased at the rates and within the limits fixed by the insurance company for such more hazardous occupation. If the insured changes his occupation to one classified by the insurance company as less hazardous than that stated in this policy, the insurance company, upon receipt of proof of such change of occupation, will reduce the premium rate accordingly, and will return the excess premium calculated on a basis approved by the superintendent from the date of change of occupation or from the policy anniversary date immediately preceding receipt of such proof, whichever is the more recent. In applying this provision, the classification for occupational risk and the premium rates shall be used as have been last filed by the insurance company prior to the occurrence of the loss for which the insurance company is liable or prior to date of proof of change in occupation with the state official having supervision of insurance in the state where the insured resided at the time this policy was issued; but if such filing was not required, then the classification of occupational risk and the premium rates shall be those last made effective by the insurance company in such state prior to the occurrence of the loss or prior to the date of proof of change in occupation. History: Laws 1984, ch. 127, § 438.
NM Stat § 59A-22-18 (2021)
2021 New Mexico Statutes|Chapter 59A - Insurance Code|Article 22 - Health Insurance Contracts|Section 59A-22-18 - Misstatement of age.

There may be a provision as follows: If the age of the insured has been misstated, all amounts payable under this policy shall be such as the premium paid would have purchased at the correct age. History: Laws 1984, ch. 127, § 439.
NM Stat § 59A-22-19 (2021)
2021 New Mexico Statutes|Chapter 59A - Insurance Code|Article 22 - Health Insurance Contracts|Section 59A-22-19 - Other insurance in this insurance company.

There may be a provision as follows: If an accident or sickness or accident and sickness policy or policies previously issued by the insurance company to the insured be in force concurrently herewith, making the aggregate indemnity for . . . . . . . . . . . . . . . . . . (insert type of coverage or coverages) in excess of $. . . . . . . . . (insert maximum limit of indemnity or indemnities) the excess insurance shall be void and all premiums paid for such excess shall be returned to the insured or to his estate, or, in lieu thereof: Insurance effective at any one time on the insured under a like policy or policies in this insurance company is limited to the one such policy elected by the insured, his beneficiary or his estate, as the case may be, and the insurance company will return all premiums paid for all other such policies. History: Laws 1984, ch. 127, § 440. ANNOTATIONS"Other insurance" provision not against public policy. — Apart from statutory authority a provision such as that in the second paragraph of Subsection C of former 59-18-5 NMSA 1978 was not against public policy. Where plaintiff was covered by an individual policy and a family policy, both issued by the same insurer, the provisions of which were identical, the court properly held the "other insurance" provision valid. Bell v. Weinacker, 1975-NMCA-134, 88 N.M. 557, 543 P.2d 1185. Am. Jur. 2d, A.L.R. and C.J.S. references. — 43 Am. Jur. 2d Insurance §§ 774 to 778. Insured's receipt of or right to workmen's compensation benefits as affecting recovery under accident, hospital, or medical expense policy, 40 A.L.R.3d 1012. Resolution of conflicts, in non-automobile liability insurance policies, between excess or pro-rata "other insurance" clauses, 12 A.L.R.4th 993. Allocation of defense costs between primary and excess insurance carriers, 19 A.L.R.4th 107. Priority and apportionment of liability between medical and hospital expense insurers, 25 A.L.R.4th 1022. 46 C.J.S. Insurance § 1367 et seq.
NM Stat § 59A-22-22 (2021)
2021 New Mexico Statutes|Chapter 59A - Insurance Code|Article 22 - Health Insurance Contracts|Section 59A-22-22 - Relation of earnings to insurance.

There may be a provision as follows: If the total monthly amount of loss of time benefits promised for the same loss under all valid loss of time coverage upon the insured, whether payable on a weekly or monthly basis, shall exceed the monthly earnings of the insured at the time disability commenced or his average monthly earnings for the period of two years immediately preceding a disability for which claim is made, whichever is the greater, the insurance company will be liable only for such proportionate amount of such benefits under this policy as the amount of such monthly earnings or such average monthly earnings of the insured bears to the total amount of monthly benefits for the same loss under all such coverage upon the insured at the time such disability commences and for the return of such part of the premiums paid during such two years as shall exceed the pro rata amount of the premiums for the benefits actually paid hereunder; but this shall not operate to reduce the total monthly amount of benefits payable under all such coverage upon the insured below the sum of two hundred ($200.00) dollars, or the sum of the monthly benefits specified in such coverages, whichever is the lesser, not [nor] shall it operate to reduce benefits other than those payable for loss of time. (The foregoing policy provision may be inserted only in a policy which the insured has the right to continue in force subject to its terms by the timely payment of premiums (1) until at least age 50 or, (2) in the case of a policy issued after age 44, for at least five years from its date of issue. The insurance company may, at its option, include in this provision a definition of "valid loss of time coverage," approved as to form by the superintendent, which definition shall be limited in subject matter to coverage provided by governmental agencies or by organizations subject to regulation by insurance law or by insurance authorities of this or any other state of the United States or any province of Canada, or to any other coverage the inclusion of which may be approved by the superintendent or any combination of such coverages. In the absence of such definition such term shall not include any coverage provided for such insured pursuant to any compulsory benefit statute (including any workmen's compensation or employer's liability statute) or benefits provided by union welfare plans or by employer or employee benefit organizations.) History: Laws 1984, ch. 127, § 443.
NM Stat § 59A-22-23 (2021)
2021 New Mexico Statutes|Chapter 59A - Insurance Code|Article 22 - Health Insurance Contracts|Section 59A-22-23 - Unpaid premium.

There may be a provision as follows: Upon the payment of a claim under this policy, any premium then due and unpaid or covered by any note or written order may be deducted therefrom. History: Laws 1984, ch. 127, § 444.
NM Stat § 59A-22-24 (2021)
2021 New Mexico Statutes|Chapter 59A - Insurance Code|Article 22 - Health Insurance Contracts|Section 59A-22-24 - Cancellation.

There may be a provision as follows: The insurance company may cancel this policy only pursuant to the provisions of Section 59A-23E-19 NMSA 1978. History: Laws 1984, ch. 127, § 445; 1998, ch. 41, § 2. ANNOTATIONSThe 1998 amendment, effective March 6, 1998, substituted "pursuant to the provisions of Section 59A-23E-19 NMSA 1978" for the language beginning with "at the expiration of any term" in the middle of the section.
NM Stat § 59A-22-25 (2021)
2021 New Mexico Statutes|Chapter 59A - Insurance Code|Article 22 - Health Insurance Contracts|Section 59A-22-25 - Conformity with state statutes.

There may be a provision as follows: Any provision of this policy which, on its effective date, is in conflict with the statutes of the state in which the insured resides on such date is hereby amended to conform to the minimum requirements of such statutes. History: Laws 1984, ch. 127, § 446. ANNOTATIONSCross references. — For existing forms and filings, see notes following 59A-5-21 NMSA 1978.
NM Stat § 59A-22-26 (2021)
2021 New Mexico Statutes|Chapter 59A - Insurance Code|Article 22 - Health Insurance Contracts|Section 59A-22-26 - Order of certain policy provisions.

The provisions which are the subject of Sections 424 through 446 [59A-22-3 to 59A-22-25 NMSA 1978], inclusive, of this article, or any corresponding provisions which are used in lieu thereof in accordance with such sections, shall be printed in the consecutive order of the provisions in such sections or, at the insurer's option, any such provision may appear as a unit in any part of the policy with other provisions to which it may logically be related, provided that the resulting policy shall not be in whole or in part unintelligible, uncertain, ambiguous, abstruse or likely to mislead a person to whom the policy is offered, delivered or issued. History: Laws 1984, ch. 127, § 447.
NM Stat § 59A-22-27 (2021)
2021 New Mexico Statutes|Chapter 59A - Insurance Code|Article 22 - Health Insurance Contracts|Section 59A-22-27 - Third party ownership.

The word "insured" as used in this article shall not be construed as preventing a person other than the insured with a proper insurable interest from making application for and owning a policy covering the insured or from being entitled under such a policy to any indemnities, benefits and rights provided therein. History: Laws 1984, ch. 127, § 448. ANNOTATIONSInsurable interest must exist at time of loss. Universal C.I.T. Corp. v. Foundation Reserve Ins. Co., 1969-NMSC-013, 79 N.M. 785, 450 P.2d 194.
NM Stat § 59A-22-28 (2021)
2021 New Mexico Statutes|Chapter 59A - Insurance Code|Article 22 - Health Insurance Contracts|Section 59A-22-28 - Requirements of other jurisdictions.

A. Any policy of a foreign or alien insurer, when delivered or issued for delivery to any person in this state, may contain any provision which is not less favorable to the insured or the beneficiary than the provisions of this article, and which is prescribed or required by the law of the state or country in which the insurer is domiciled. B. Any policy of a domestic insurer may, when issued for delivery in any other state or country, contain any provision permitted or required by the laws of such state or country. History: Laws 1984, ch. 127, § 449.