reglab/housing_qa huggingface dataset:
215 ILCS 5/357.14
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XX - Accident And Health Insurance

 (from Ch. 73, par. 969.14)Sec. 357.14. Except as provided in section 357.26, no such policy delivered  or issued for delivery to any person in this State shall contain provisions  respecting the matters set forth in sections 357.15 through 357.24 unless  such provisions are in the words in which the same appear in this article;  provided, however, that the company may, at its option, use in lieu of any  such provision a corresponding provision of different wording approved by  the Director which is not less favorable in any respect to the insured or  the beneficiary. Any such provision contained in the policy shall be  preceded individually by the appropriate caption appearing in the following  sections or, at the option of the company, by such appropriate individual  or group captions or subcaptions as the Director may approve.       (Source: P.A. 95-230, eff. 1-1-08.)
215 ILCS 5/357.15
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XX - Accident And Health Insurance

 (from Ch. 73, par. 969.15)Sec. 357.15.     "CHANGE OF OCCUPATION:     If the insured be injured or contract  sickness after having changed his occupation to one classified by the  company as more hazardous than that stated in this policy or while doing  for compensation anything pertaining to an occupation so classified, the  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 company for such more hazardous occupation. If the  insured changes his occupation to one classified by the company as less  hazardous than that stated in this policy, the company, upon receipt of  proof of such change of occupation, will reduce the premium rate  accordingly, and will return the excess pro-rata unearned premium 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 of occupational risk and the  premium rates shall be such as have been last filed by the company prior to  the occurrence of the loss for which the 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 company in such state prior to the occurrence of the loss or prior  to the date of proof of change in occupation."    (Source: Laws 1967, p. 1735.)
215 ILCS 5/357.16
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XX - Accident And Health Insurance

 (from Ch. 73, par. 969.16)Sec. 357.16.     "MISSTATEMENT OF AGE:     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."    (Source: Laws 1967, p. 1735.)
215 ILCS 5/357.17
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XX - Accident And Health Insurance

 (from Ch. 73, par. 969.17)Sec. 357.17.     "OTHER INSURANCE IN THIS COMPANY:     If an accident or health or  accident and health policy or policies previously issued by the 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 company is limited to the one such policy elected by  the insured, his beneficiary or his estate, as the case may be, and the  company will return all premiums paid for all other such policies."    (Source: Laws 1967, p. 1735.)
215 ILCS 5/357.18
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XX - Accident And Health Insurance

 (from Ch. 73, par. 969.18)Sec. 357.18.     "INSURANCE WITH OTHER COMPANIES:     If there be other valid  coverage, not with this company, providing benefits for the same loss on  a provision of service basis or on an expense incurred basis and of  which this company has not been given written notice prior to the  occurrence or commencement of loss, the only liability under any expense  incurred coverage of this policy shall be for such proportion of the  loss as the amount which would otherwise have been payable hereunder  plus the total of the like amounts under all such other valid coverages  for the same loss of which this company had notice bears to the total  like amounts under all valid coverages for such loss, and for the return  of such portion of the premiums paid as shall exceed the pro-rata  portion for the amount so determined. For the purpose of applying this  provision when other coverage is on a provision of service basis, the  "like amount" of such other coverage shall be taken as the amount which  the services rendered would have cost in the absence of such coverage."(If the foregoing policy provision is included in a policy which also  contains the next following policy provision there shall be added to the  caption of the foregoing provision the phrase "--EXPENSE INCURRED  BENEFITS". The company may, at its option, include in this provision a  definition of "other valid coverage", approved as to form by the  Director, which definition shall be limited in subject matter to  coverage provided 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, and by hospital or medical service  organizations, and to any other coverage the inclusion of which may be  approved by the Director. In the absence of such definition such term  does not include group insurance, automobile medical payments insurance,  or coverage provided by hospital or medical service organizations or by  union welfare plans or employer or employee benefit organizations. For  the purpose of applying the foregoing policy provision with respect to  any insured, any amount of benefit provided for such insured pursuant to  any compulsory benefit statute (including any workers' compensation or  employer's liability statute) whether provided by a governmental agency  or otherwise is "other valid coverage" of which the company has had  notice. In applying the foregoing policy provision no third party  liability coverage shall be included as "other valid coverage".)    (Source: P.A. 91-357, eff. 7-29-99.)
215 ILCS 5/357.19
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XX - Accident And Health Insurance

 (from Ch. 73, par. 969.19)Sec. 357.19.     "INSURANCE WITH OTHER COMPANIES:     If there be other valid  coverage, not with this company, providing benefits for the same loss on  other than an expense incurred basis and of which this company has not  been given written notice prior to the occurrence or commencement of  loss, the only liability for such benefits under this policy shall be  for such proportion of the indemnities otherwise provided hereunder for  such loss as the like indemnities of which the company had notice  (including the indemnities under this policy) bear to the total amount  of all like indemnities for such loss, and for the return of such  portion of the premium paid as shall exceed the pro-rata portion for the  indemnities thus determined."(If the foregoing policy provision is included in a policy which also  contains the next preceding policy provision there shall be added to the  caption of the foregoing provision the phrase "--OTHER BENEFITS". The  company may, at its option, include in this provision a definition of  "other valid coverage", approved as to form by the Director, which  definition shall be limited in subject matter to coverage provided 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, and to any other coverage the inclusion of which may  be approved by the Director. In the absence of such definition such term  does not include group insurance, or benefits provided by union welfare  plans or by employer or employee benefit organizations. For the purpose  of applying the foregoing policy provision with respect to any insured,  any amount of benefit provided for such insured pursuant to any  compulsory benefit statute (including any workers' compensation or  employer's liability statute) whether provided by a governmental agency  or otherwise is "other valid coverage" of which the company has had  notice. In applying the foregoing policy provision no third party liability  coverage shall be included as "other valid coverage".)    (Source: P.A. 91-357, eff. 7-29-99.)
215 ILCS 5/357.20
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XX - Accident And Health Insurance

 (from Ch. 73, par. 969.20)Sec. 357.20.     "RELATION OF EARNINGS TO INSURANCE:     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 2 years immediately preceding a disability for which  claim is made, whichever is the greater, the 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 2 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 $200.00 or the sum of the monthly  benefits specified in such coverages, whichever is the lesser, 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 5 years  from its date of issue. The company may, at its option, include in this  provision a definition of "valid loss of time coverage", approved as to  form by the Director, 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  Director or any combination of such coverages. In the absence of such  definition such term does not include any coverage provided for such  insured pursuant to any compulsory benefit statute (including any  workers' compensation or employer's liability statute), or benefits  provided by union welfare plans or by employer or employee benefit  organizations.)    (Source: P.A. 91-357, eff. 7-29-99.)
215 ILCS 5/357.21
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XX - Accident And Health Insurance

 (from Ch. 73, par. 969.21)Sec. 357.21.     "UNPAID PREMIUM:     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."    (Source: Laws 1967, p. 1735.)
215 ILCS 5/357.22
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XX - Accident And Health Insurance

 (from Ch. 73, par. 969.22)Sec. 357.22.     "CANCELLATION:     The company may cancel this policy at any time  by written notice delivered to the insured, or mailed to his last address  as shown by the records of the company, stating when, not less than 30 days  thereafter, such cancellation shall be effective; and after the policy has  been continued beyond its original term the insured may cancel this policy  at any time by written notice delivered or mailed to the company, effective  upon receipt or on such later date as may be specified in such notice. In  the event of cancellation, the company will return promptly the unearned  portion of any premium paid. If the insured cancels, the earned premium  shall be computed by the use of the short-rate table last filed with the  state official having supervision of insurance in the state where the  insured resided when the policy was issued. If the company cancels, the  earned premium shall be computed pro-rata. Cancellation shall be without  prejudice to any claim originating prior to the effective date of  cancellation." (Notice to the policy holder of the cancellable nature of  his policy shall be set forth on the face of the policy.)    (Source: Laws 1967, p. 1735.)
215 ILCS 5/357.23
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XX - Accident And Health Insurance

 (from Ch. 73, par. 969.23)Sec. 357.23.     "CONFORMITY WITH STATE STATUTES:     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."    (Source: Laws 1967, p. 1735.)
215 ILCS 5/357.24
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XX - Accident And Health Insurance

 (from Ch. 73, par. 969.24)Sec. 357.24.     "ILLEGAL OCCUPATION:     The company shall not be liable for any  loss to which a contributing cause was the insured's commission of or  attempt to commit a felony or to which a contributing cause was the  insured's being engaged in an illegal occupation."    (Source: Laws 1967, p. 1735.)
215 ILCS 5/357.25
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XX - Accident And Health Insurance

Sec. 357.25. (Repealed).        (Source: Laws 1967, p. 1735. Repealed by P.A. 95-230, eff. 1-1-08.)
215 ILCS 5/357.26
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XX - Accident And Health Insurance

 (from Ch. 73, par. 969.26)Sec. 357.26.         If any provision of the preceding sections is in whole  or in part inapplicable to or inconsistent with the coverage provided by  a particular form of policy the company, with the approval of the  Director, shall omit from such policy any inapplicable provision or part  of a provision, and shall modify any inconsistent provision or part of  the provision in such manner as to make the provision as contained in the  policy consistent with the coverage provided by the policy.    (Source: Laws 1967, p. 1735.)
215 ILCS 5/357.27
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XX - Accident And Health Insurance

 (from Ch. 73, par. 969.27)Sec. 357.27.         The provisions which are the subject of Sections 357.2 through  357.25, 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 option of the company, any such  provision may appear as a unit in any part of the policy, with other  provisions to which it may be logically related, provided 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.    (Source: Laws 1967, p. 1735.)
215 ILCS 5/357.28
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XX - Accident And Health Insurance

 (from Ch. 73, par. 969.28)Sec. 357.28.         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.    (Source: Laws 1967, p. 1735.)
215 ILCS 5/357.29
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XX - Accident And Health Insurance

 (from Ch. 73, par. 969.29)Sec. 357.29.         Any policy of a foreign or alien company, 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 under which the company is organized.Any policy of a domestic company may, when issued for delivery in any  other state or country, contain any provision permitted or required by the  laws of such other state or country.    (Source: Laws 1967, p. 1735.)
215 ILCS 5/357.30
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XX - Accident And Health Insurance

 (from Ch. 73, par. 969.30)Sec. 357.30.         The Director may make such reasonable rules and regulations  concerning the procedure for the filing or submission of policies subject  to this article as are necessary, proper or advisable to the administration  of this article. This provision shall not abridge any other authority  granted the Director by law. The effective date of the new provisions added  by this amendatory Act shall be January 1, 1968.    (Source: Laws 1967, p. 1735.)
215 ILCS 5/357.31
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XX - Accident And Health Insurance

 (from Ch. 73, par. 969.31)Sec. 357.31.         In the event of the death of a policyholder of an  individual accident and health insurance policy, the insurance company,  upon receipt of notice of the policyholder's death and a request for a  pro-rata refund, supported by a valid death certificate supplied by a party  entitled to claim such refund, shall refund the unearned premium pro-rated  to the month of the policyholder's death.  In no event shall such refund of  premium be computed by the use of a short-rate table.  Refund of the  premium and termination of the coverage shall be without prejudice to any  claim originating prior to the date of the policyholder's  death.  Coverage of persons insured under the same policy other than the  policyholder shall not be affected by the premium refund provided for in  this Section nor shall the obligation of such other insureds to pay  required premiums be diminished pursuant to this Section.    (Source: P.A. 86-665.)
215 ILCS 5/358a
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XX - Accident And Health Insurance

 (from Ch. 73, par. 970a)Sec. 358a.     Conforming to statute.(1) Other Policy ProvisionsNo policy provision which is not subject to section 357a of this act  shall make a policy, or any portion thereof, less favorable in any respect  to the insured or the beneficiary than the provisions thereof which are  subject to this act.(2) Policy Conflicting with this ArticleA policy delivered or issued for delivery to any person in this state in  violation of this article shall be held valid but shall be construed as  provided in this article. When any provision in a policy subject to this  article is in conflict with any provision of this article, the rights,  duties and obligations of the insurer, the insured and the beneficiary  shall be governed by the provisions of this article.(3) Operating under Old ProvisionsSubsection (3) of Section 356a of this Act is hereby incorporated into  and made a part of this section by express reference.    (Source: Laws 1951, p. 611.)
215 ILCS 5/359a
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XX - Accident And Health Insurance

 (from Ch. 73, par. 971a)Sec. 359a.     Application.(1) No policy of insurance except an Industrial Accident and Health  Policy provided for by this article shall be issued, except upon the  signed application of the person or persons sought to be insured. Any  information or statement of the applicant shall plainly appear upon such  application in the form of interrogatories by the insurer and answers by  the applicant. The insured shall not be bound by any statement made in an  application for any policy, including an Industrial Accident and Health  Policy, unless a copy of such application is attached to or endorsed on the  policy when issued as a part thereof. If any such policy delivered or  issued for delivery to any person in this state shall be reinstated or  renewed, and the insured or the beneficiary or assignee of such policy  shall make written request to the insurer for a copy of the application, if  any, for such reinstatement or renewal, the insurer shall within fifteen  days after the receipt of such request at its home office or any branch  office of the insurer, deliver or mail to the person making such request, a  copy of such application. If such copy shall not be so delivered or mailed,  the insurer shall be precluded from introducing such application as  evidence in any action or proceeding based upon or involving such policy or  its reinstatement or renewal.(2) No alteration of any written application for any such policy shall  be made by any person other than the applicant without his written consent,  except that insertions may be made by the insurer, for administrative  purposes only, in such manner as to indicate clearly that such insertions  are not to be ascribed to the applicant.(3) The falsity of any statement in the application for any policy  covered by this act may not bar the right to recovery thereunder unless  such false statement materially affected either the acceptance of the risk  or the hazard assumed by the insurer.    (Source: Laws 1951, p. 611.)
215 ILCS 5/359b
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XX - Accident And Health Insurance

Sec. 359b. (Repealed).  (Source: P.A. 96-857, eff. 1-5-10. Repealed by P.A. 98-969, eff. 1-1-15.)
215 ILCS 5/359c
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XX - Accident And Health Insurance

Sec. 359c. (Repealed).  (Source: P.A. 97-524, eff. 1-1-12. Repealed by P.A. 98-969, eff. 1-1-15.)
215 ILCS 5/360a
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XX - Accident And Health Insurance

 (from Ch. 73, par. 972a)Sec. 360a.         Notice,  waiver.The acknowledgement by any insurer of the receipt of notice given under  any policy covered by this article, or the furnishing of forms for filing  proofs of loss, or the acceptance of such proofs, or the investigation of  any claim thereunder shall not operate as a waiver of any of the rights of  the insurer in defense of any claim arising under such policy.    (Source: Laws 1951, p. 611.)