reglab/housing_qa huggingface dataset:
215 ILCS 5/356z.41
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XX - Accident And Health Insurance

Sec. 356z.41. Cost sharing in prescription insulin drugs; limits; confidentiality of rebate information.(a) As used in this Section, "prescription insulin drug" means a prescription drug that contains insulin and is used to control blood glucose levels to treat diabetes but does not include an insulin drug that is  administered to a patient intravenously.(b) This Section applies to a group or individual policy of accident and health insurance amended, delivered, issued, or renewed on or after the effective date of this amendatory Act of the 101st General Assembly.(c) An insurer that provides coverage for prescription insulin drugs pursuant to the terms of a health coverage plan the insurer offers shall limit the total amount that an insured is required to pay for a 30-day supply of covered prescription insulin drugs at an amount not to exceed $100, regardless of the quantity or type of covered prescription insulin drug used to fill the insured's prescription.(d) Nothing in this Section prevents an insurer from reducing an insured's cost sharing by an amount greater than the amount specified in subsection (c).(e) The Director may use any of the Director's enforcement powers to obtain an insurer's compliance with this Section.(f) The Department may adopt rules as necessary to implement and administer this Section and to align it with federal requirements.(g) On January 1 of each year, the limit on the amount that an insured is required to pay for a 30-day supply of a covered prescription insulin drug shall increase by a percentage equal to the percentage change from the preceding year in the medical care component of the Consumer Price Index of the Bureau of Labor Statistics of the United States Department of Labor.  (Source: P.A. 101-625, eff. 1-1-21.)
215 ILCS 5/356z.42
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XX - Accident And Health Insurance

Sec. 356z.42. (Repealed).   (Source: P.A. 101-625, eff. 1-24-20. Repealed internally, eff. 12-31-20.)
215 ILCS 5/356z.44
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XX - Accident And Health Insurance

Sec. 356z.44. Vitamin D testing.(a)   As used in this Section, "vitamin D testing" means vitamin D blood testing that measures the level of vitamin D in an individual's blood.(b)   A   group or individual policy of accident and health insurance or managed care plan amended, delivered, issued, or renewed on or after the effective date of this amendatory Act of the 102nd General Assembly shall  provide coverage for vitamin D testing recommended by a health care provider in accordance with vitamin D deficiency risk factors identified by the United States Centers for Disease Control and Prevention. Risk factors for vitamin D deficiency include, but are not limited to:(1)   having osteoporosis or other bone-health     problems;(2)   having conditions that affect fat absorption,     including celiac disease or weight loss surgery;(3)   routinely taking medications that interfere     with vitamin D activity, including anticonvulsants and glucocorticoids;(4)   beneficiaries aged 55 and older;(5)   having a darker skin color;(6)   inadequate sunlight exposure;(7)   being obese;(8)   previous diagnosis of diabetes or kidney     disease; and(9)   exhibiting poor muscle strength or constant     tiredness. (Source: P.A. 102-530, eff. 1-1-22.)
215 ILCS 5/357.1
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XX - Accident And Health Insurance

 (from Ch. 73, par. 969.1)Sec. 357.1.     Accident and health policy provisions required.Except as provided in section 357.26 of this article each accident  and health policy delivered or issued for delivery to any person in this  State shall contain the provisions set forth in sections 357.2 through  357.13 in the words in which the same appear in the specified sections;  provided, however, that the company may, at its option, substitute for  one or more of such provisions corresponding provisions of different  wording approved by the Director which are in each instance not less  favorable in any respect to the insured or the beneficiary. Such  provisions shall be preceded individually by the caption appearing at  the beginning of each such section or, at the option of the company, by  such appropriate individual or group captions or subcaptions as the  Director may approve.     (Source: Laws 1967, p. 1735.)
215 ILCS 5/357.2
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XX - Accident And Health Insurance

 (from Ch. 73, par. 969.2)Sec. 357.2.     "ENTIRE CONTRACT; CHANGES:     This policy, including the  endorsements and the attached papers, if any, constitutes the entire  contract of insurance. No change in this policy shall be valid until  approved by an executive officer of the company and unless such approval  be endorsed hereon or attached hereto.  No agent has authority to change  this policy or to waive any of its provisions."(1) Premium Notice Required.  No policy of accident and health  insurance, as enumerated in class 1(b) or 2(a) of Section 4, shall be  declared forfeited or lapsed within 6 months after default in payment of  any premium installment or interest or any portion thereof, nor shall  any such policy be forfeited or lapsed by reason of nonpayment when due  of any premium, installment or interest, or any portion thereof,  required by the terms of the policy to be paid, within 6 months from the  default in payment of such premium, installment or interest, unless a  written or printed notice stating the amount of such premium,  installment, interest or portion thereof due on such policy, the place  where it shall be paid and the person to whom the same is payable, shall  have been duly addressed and mailed with the required postage affixed,  to the person insured or to the premium payor if other than the insured  at the last known post office address of the insured or premium payor,  at least 15 days and not more than 45 days prior to the day when same is  due and payable before the beginning of the grace period.Such notice shall also state that unless such premium or other sum  due shall be paid to the company or its agent the policy and all  payments thereon will become forfeited and void, except as to any right  to a surrender value or paid up policy as provided for by the policy.  The affidavit of any officer, clerk or agent of the company or of anyone  authorized to mail such notice that the notice required by this Section  bearing the required postage has been duly addressed and mailed shall be  presumptive evidence that such notice has been duly given.If the notice is given in a manner other than mailing, then  physical proof of the receipt of such notice by the proper recipient  shall be maintained by the insurer.(2) Paragraph (1) of this Section shall not apply  to cancellable policies which are renewable at the option of the company  nor shall it apply to group policies, industrial policies, or any  policies upon which premiums are payable monthly or at shorter intervals.    (Source: P.A. 91-357, eff. 7-29-99.)
215 ILCS 5/357.3
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XX - Accident And Health Insurance

 (from Ch. 73, par. 969.3)Sec. 357.3. "TIME LIMIT ON CERTAIN DEFENSES:(1) After 2 years from the  date of issue of this policy no misstatements, except fraudulent  misstatements, made by the applicant in the application for such policy  shall be used to void the policy or to deny a claim for loss incurred or  disability (as defined in the policy) commencing after the expiration of  such 2 year period."(The foregoing policy provision shall not be so construed as to affect  any legal requirement for avoidance of a policy or denial of a claim during  such initial 2 year period, nor to limit the application of section 357.15  through section 357.19 in the event of misstatement with respect to age  or occupation or other insurance.)A policy which the insured has the right to continue in force subject to  its terms by the timely payment of premium (1) until at least age 50 or,  (2) in the case of a policy issued after age 44, for at least 5 years from  its date of issue, may contain in lieu of the foregoing the following  provisions (from which the clause in parentheses may be omitted at the  company's option) under the caption "INCONTESTABLE":"After this policy has been in force for a period of 2 years during the  lifetime of the insured (excluding any period during which the insured is  a person  with a disability), it shall become incontestable as to the statements contained in  the application."(2) "No claim for loss incurred or disability (as defined in the policy)  commencing after 2 years from the date of issue of this policy shall be  reduced or denied on the ground that a disease or physical condition not  excluded from coverage by name or specific description effective on the  date of loss had existed prior to the effective date of coverage of this  policy."  (Source: P.A. 99-143, eff. 7-27-15.)
215 ILCS 5/357.4
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XX - Accident And Health Insurance

 (from Ch. 73, par. 969.4)Sec. 357.4.     "GRACE PERIOD:     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 which contains a cancellation provision may add, at the end of  the above provision: "Subject to the right of the company to cancel in  accordance with the cancellation provision hereof."A policy in which the company reserves the right to refuse any renewal  shall have, at the beginning of the above provision:"Unless not less than 30 days prior to the premium due date the company  has delivered to the insured or has mailed to his last address as shown by  the records of the company written notice of its intention not to renew  this policy beyond the period for which the premium has been accepted.")    (Source: Laws 1967, p. 1735.)
215 ILCS 5/357.5
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XX - Accident And Health Insurance

 (from Ch. 73, par. 969.5)Sec. 357.5.     "REINSTATEMENT:     If any renewal premium be not paid within  the time granted the insured for payment, a subsequent acceptance of  premium by the company or by any agent duly authorized by the company to  accept such premium, without requiring in connection therewith an  application for reinstatement, shall reinstate the policy; provided,  however, that if the 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  company or, lacking such approval, upon the 45th day following the date  of such conditional receipt unless the 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 10 days after such date. In all  other respects the insured and 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 60 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 5  years from its date of issue.For the purpose of this Section, the phrase "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 10 days  after such date" shall mean that the reinstated policy shall not cover a  loss resulting from accidental injury sustained after the date of lapse  of the policy and prior to the date of reinstatement or a loss resulting  from sickness which is first manifested after the date of lapse of the policy  but not after a date more than 10 days after the date of  reinstatement.  An accidental injury and a sickness as described in this  Section shall be subject to the requirements of Section 357.3 with the  exception that references to date of issue and application shall mean date  of reinstatement and reinstatement application.  All other accidental  injuries and sicknesses will be subject to the requirements of 357.3.  Provisions endorsed or attached to the policy in connection with the  reinstatement shall relate to a disease or physical condition of an insured  under the policy.    (Source: P.A. 84-1308.)
215 ILCS 5/357.6
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XX - Accident And Health Insurance

 (from Ch. 73, par. 969.6)Sec. 357.6.     "NOTICE OF CLAIM:     Written notice of claim must be given to the  company within 20 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  company at ....(insert the location of such office as the company may  designate for the purpose), or to any authorized agent of the company, with  information sufficient to identify the insured, shall be deemed notice to  the company."In a policy providing a loss-of-time benefit which may be payable for at  least 2 years, a 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 2 years, he shall, at least once in every 6 months after  having given notice of claim, give to the company notice of continuance of  said disability, except in the event of legal incapacity. The period of 6  months following any filing of proof by the insured or any payment by the  company on account of such claim or any denial of liability in whole or in  part by the 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 6 months  preceding the date on which such notice is actually given."    (Source: Laws 1967, p. 1735.)
215 ILCS 5/357.7
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XX - Accident And Health Insurance

 (from Ch. 73, par. 969.7)Sec. 357.7.     "CLAIM FORMS:     The 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 15 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."    (Source: Laws 1967, p. 1735.)
215 ILCS 5/357.8
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XX - Accident And Health Insurance

 (from Ch. 73, par. 969.8)Sec. 357.8.     "PROOFS OF LOSS:     Written proof of loss must be furnished to the  company at its said office in case of claim for loss for which this policy  provides any periodic payment contingent upon continuing loss within 90  days after the termination of the period for which the company is liable  and in case of claim for any other loss within 90 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."    (Source: Laws 1967, p. 1735.)
215 ILCS 5/357.9
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XX - Accident And Health Insurance

 (from Ch. 73, par. 969.9)Sec. 357.9.     "TIME OF PAYMENT OF CLAIMS:     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  termination of liability, will be paid immediately upon receipt of due  written proof."All claims and indemnities payable under the terms of  a policy of accident and health insurance shall be paid within 30 days  following receipt by the insurer of due proof of loss.  Failure to pay  within such period shall entitle the insured  to interest at the rate of 9  per cent per annum from the 30th day after receipt of such proof of loss to  the date of late payment, provided that interest amounting to less than one  dollar need not be paid.  An insured or an insured's assignee shall be  notified by the insurer, health maintenance organization, managed care plan,  health care plan, preferred provider organization, or third party administrator  of any known failure to provide sufficient documentation for a  due proof of  loss within 30 days after receipt of the claim.  Any  required interest payments shall be made within 30 days after the payment.The requirements of this Section shall apply to any policy of accident  and health insurance delivered, issued for delivery, renewed or amended on  or after 180 days following the effective date of this amendatory Act of 1985.  The requirements of this Section also shall specifically apply to  any group policy of dental insurance only, delivered, issued for  delivery, renewed or amended on or after 180 days following the effective  date of this amendatory Act of 1987.    (Source: P.A. 91-605, eff. 12-14-99.)
215 ILCS 5/357.9a
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XX - Accident And Health Insurance

 (from Ch. 73, par. 969.9a)Sec. 357.9a.     Delay in payment of claims.     Periodic payments  of accrued indemnities for loss-of-time coverage under accident  and health policies shall commence not later than 30 days after  the receipt by the company of the required written proofs of loss.  An insurer which violates this Section if liable under said policy, shall  pay to the insured, in addition to any other penalty provided for in this Code,  interest at the rate of 9% per annum from the 30th day after  receipt of such proofs of loss to the date of late payment of the  accrued indemnities, provided that interest amounting to less than  one dollar need not be paid.    (Source: P.A. 92-139, eff. 7-24-01.)
215 ILCS 5/357.10
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XX - Accident And Health Insurance

 (from Ch. 73, par. 969.10)Sec. 357.10.     "PAYMENT OF CLAIMS:     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  company, 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 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 a valid release, the company may pay such indemnity, up  to an amount not exceeding $....(insert an amount which shall not exceed  $1000), to any relative by blood or connection by marriage of the insured  or beneficiary who is deemed by the company to be equitably entitled  thereto. Any payment made by the company in good faith pursuant to this  provision shall fully discharge the 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  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. Nothing in this  provision shall prohibit an insurer from providing incentives for insureds  to utilize the services of a particular hospital or person."    (Source: P.A. 84-618.)
215 ILCS 5/357.11
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XX - Accident And Health Insurance

 (from Ch. 73, par. 969.11)Sec. 357.11.     "PHYSICAL EXAMINATIONS AND AUTOPSY:     The 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."    (Source: Laws 1967, p. 1735.)
215 ILCS 5/357.12
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XX - Accident And Health Insurance

 (from Ch. 73, par. 969.12)Sec. 357.12.     "LEGAL ACTIONS:     No civil action shall be brought  to recover on this policy prior to the expiration of 60 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 3  years after the time written proof of loss is required to be furnished."    (Source: P.A. 79-1362.)
215 ILCS 5/357.13
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XX - Accident And Health Insurance

 (from Ch. 73, par. 969.13)Sec. 357.13.     "CHANGE OF BENEFICIARY:     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."(The first clause of this provision, relating to the irrevocable  designation of beneficiary, may be omitted at the company's option.)    (Source: Laws 1967, p. 1735.)