reglab/housing_qa huggingface dataset:
HI Rev Stat § 431:10A-405 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10A-405 Association; powers, process; examination.

  §431:10A-405 Association; powers, process; examination. Any association formed for the purposes of this part may hold title to property, may enter into contracts, and may limit the liability of its members to their respective pro rata shares of the liability of such association. Any such association may sue and be sued in its associate name and for such purpose only shall be treated as a domestic corporation. Service of process against the association, made upon a managing agent, any of its members or any agent authorized by appointment to receive service of process, shall have the same force and effect as if the service had been made upon all members of the association. The association's books and records shall also be subject to examination under the provisions of article 2, either separately or concurrently with examination of any of its member insurers. [L 1987, c 347, pt of §2]
HI Rev Stat § 431:10A-406 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10A-406 Forms; rates; approval.

  §431:10A-406 Forms; rates; approval. (a) The forms of the policies, applications, certificates, or other evidence of insurance coverage, commission schedules, and applicable premium rates relating thereto shall be filed with the commissioner.  (b) No policy, contract, certificate, or other evidence of insurance, application, or other form shall be sold, issued, or used and no endorsement shall be attached to or printed or stamped thereon unless its form has been approved by the commissioner or thirty days have expired after such filing without written notice from the commissioner of disapproval. The commissioner shall disapprove the forms for such insurance if the commissioner finds:  (1) That they are unjust, inequitable, misleading, or deceptive; or  (2) That the rates are by reasonable assumptions excessive in relation to the benefits provided.  In determining whether the rates by reasonable assumptions are excessive in relation to the benefits provided, the commissioner shall give due consideration to past and prospective claim experience, within and outside this State, and to fluctuations in such claim experience, to a reasonable risk charge, to contribution to surplus and contingency funds, to past and prospective expenses, both within and outside this State, and to all other relevant factors within and outside this State, including any differing operating methods of the insurers joining in the issue of the policy. In exercising the powers conferred by this part, the commissioner shall not be bound by any other requirement of this code with respect to standard provisions to be included in accident and health or sickness policies or forms.  (c) After hearing, upon written notice, the commissioner may withdraw an approval previously given if the commissioner is of the opinion that an original submission would have been disapproved. Such withdrawal of approval shall be effective not less than ninety days after the giving of notice of withdrawal. [L 1987, c 347, pt of §2; am L 2003, c 212, §80]
HI Rev Stat § 431:10A-407 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10A-407 Duplication of benefits; adjustment.

  §431:10A-407 Duplication of benefits; adjustment. If and when a program of hospital, surgical, and medical benefits is enacted by the federal government or by the State, the extended health insurance benefits provided by policies issued under this section shall be adjusted to avoid any duplication of benefits offered by the federal or state programs. The premium rates applicable thereto shall be adjusted to conform with the adjusted benefits. [L 1987, c 347, pt of §2]
HI Rev Stat § 431:10A-408 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10A-408 Annual report filed by association.

  §431:10A-408 Annual report filed by association. The association shall submit an annual report to the commissioner which shall become public information and shall include the following:  (1) The number of persons insured;  (2) The names of the insurers participating in the association with respect to insurance offered under this part;  (3) The calendar year experience applicable to such insurance offered under this part. Item (3) shall include:  (A) Premiums earned,  (B) Claims paid during the calendar year,  (C) The amount of claims reserve established,  (D) Administrative expenses,  (E) Commissions,  (F) Promotional expenses,  (G) Taxes,  (H) Contingency reserve,  (I) Other expenses, and  (J) Profit and loss for the year.  The commissioner shall require the association to provide any and all information concerning the operations of the association deemed relevant by the commissioner for inclusion in the report. [L 1987, c 347, pt of §2]
HI Rev Stat § 431:10A-409 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10A-409 Articles of association; agent, membership list; deception.

  §431:10A-409 Articles of association; agent, membership list; deception. (a) Any association formed in accordance with this part shall file the following with the commissioner:  (1) The articles of association;  (2) All amendments and supplements to the articles of association;  (3) A designation in writing of a resident of this State as agent for the service of process; and  (4) A list of insurers who are members of the association and all supplements thereto.  (b) The name of any association or any advertising or promotional material used in connection with extended health insurance to be sold, offered or issued pursuant to this section shall not be such as to mislead or deceive the public. [L 1987, c 347, pt of §2]
HI Rev Stat § 431:10A-410 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10A-410 Violation of other laws.

  §431:10A-410 Violation of other laws. No act done, action taken, or agreement made pursuant to the authority conferred by this part shall constitute a violation of or grounds for prosecution or civil proceedings under any other law of this State which does not specifically refer to insurance. [L 1987, c 347, pt of §2]
HI Rev Stat § 431:10A-602 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10A-602 Federally funded programs; exemption.

  §431:10A-602 Federally funded programs; exemption. Requirements relating to mandated coverages shall not be applicable to any insurer offering accident and health or sickness insurance under a federally funded program under the Social Security Act, as amended; provided that this exemption shall apply only to that part of the insurer's business under the federally funded program. [L 1999, c 159, §1; am L 2003, c 212, §81]
HI Rev Stat § 431:10A-603 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10A-603 Self-employed persons, exemption.

  §431:10A-603 Self-employed persons, exemption. The requirements of this article related to mandated coverages for persons insured under accident and health or sickness policies shall not apply to accident and health or sickness policies for self-employed persons in this State; provided that this exemption shall apply only to those portions of the accident and health or sickness policies that cover self-employed persons in this State and individuals included in the self-employed person's family coverage. [L 2004, c 122, §1; am L 2006, c 154, §38]
HI Rev Stat § 431:10A-604 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10A-604 Bona fide trade associations.

  §431:10A-604 Bona fide trade associations. (a) At the option of a bona fide trade association, or its designated agent, an insurer that sells health insurance to the bona fide trade association shall treat the bona fide trade association and its members as a group for the purpose of issuing group disability insurance; provided that:  (1) The bona fide trade association shall have been formed for purposes other than obtaining insurance;  (2) The insurer shall be prohibited from restricting, in any manner, the number or types of health plans issued by another insurance entity that the bona fide trade association may offer to its members, including but not limited to such restrictions as clauses that reduce competition between insurers or clauses that require a bona fide trade association to allow an insurer to match the price or terms offered by another insurer; and  (3) Each member of the bona fide trade association shall not be required to be insured under the group policy; and provided further that this section shall be inapplicable if less than two persons from the bona fide trade association seek to be insured under the group policy.  (b) As used in this section:  "Bona fide trade association" means an association of persons organized to promote common interests and comprised of persons engaged in a business, trade, or profession that:  (1) Has been actively in existence for five years;  (2) Has been formed and maintained in good faith for purposes other than obtaining insurance;  (3) Does not condition membership in the association on any health status related factor pertaining to an individual (including an employee of an employer or a dependent of an employee);  (4) Makes health insurance coverage offered through the association available to all members regardless of any health status related factor pertaining to such members (or individuals eligible for coverage through a member);  (5) Does not make health insurance coverage offered through the association available other than in connection with a member of the association; and  (6) Meets such additional requirements as may be imposed under state law. [L 2004, c 118, § §1, 5; am L 2006, c 41, §2]
HI Rev Stat § 431:10A-605 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10A-605 Short-term, limited-duration health insurance.

  §431:10A-605 Short-term, limited-duration health insurance. (a) No insurer shall issue, renew, or re-enroll an individual in a short-term, limited-duration health insurance policy or contract if the individual was eligible to purchase health insurance through the federal health insurance marketplace during an open enrollment period, as provided by title 45 Code of Federal Regulations section 155.410, or a special enrollment period, as provided by title 45 Code of Federal Regulations section 155.420, in the previous calendar year; provided that any short-term, limited-duration health insurance coverage policy or contract that is delivered or issued for delivery in the State shall have an expiration date in the contract that is less than ninety-one days.  (b) For the purposes of this section:  "Renew or re-enroll" means the issuance of the same or a new short-term, limited-duration health insurance policy or contract to an individual who has been covered by a short-term, limited-duration health insurance policy or contract at any time within the previous calendar year.  "Short-term, limited-duration health insurance" means health insurance coverage provided to an individual under a policy or contract offered by a licensed insurer, regardless of the situs of the delivery of the policy or contract, that has a specified, short-term limited duration of less than ninety-one days and does not meet all of the requirements otherwise applicable to individual health insurance. [L 2018, c 192, §1]
HI Rev Stat § 431:10A-606 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10A-606 Medication synchronization; proration; dispensing fees.

  §431:10A-606 Medication synchronization; proration; dispensing fees. (a) Each individual or group policy of accident and health or sickness insurance that provides prescription drug coverage in the State shall apply a prorated daily cost-sharing rate to prescriptions that are dispensed by a network pharmacy for less than a thirty-day supply for the purpose of medication synchronization; provided that the insured patient requests or agrees to less than a thirty-day supply.  (b) For the purposes of medication synchronization under this section, the insurer that provides prescription drug coverage shall:  (1) Not deny coverage for the dispensing of a maintenance medication that is dispensed by a network pharmacy on the basis that the dispensed amount is a partial supply and the insured patient requests or agrees to a partial supply; and  (2) Authorize a network pharmacy to override any denial codes indicating that a prescription is being refilled too soon.  (c) No policy providing prescription drug coverage shall use payment structures incorporating prorated dispensing fees. Dispensing fees for partially filled or refilled prescriptions shall be paid in full for each prescription dispensed, regardless of any prorated copayment for the beneficiary or fee paid for medication synchronization services.  (d) A network pharmacy shall identify an anchor prescription to which all other prescriptions may be subject to medication synchronization; provided that any medication dispensed in an unbreakable package shall not be considered the anchor prescription for purposes of this section.  (e) No schedule II narcotic controlled substance listed in section 329-16 shall be eligible for medication synchronization under this section.  (f) For purposes of this section:  "Medication synchronization" means the coordination of medication refills that are being dispensed by a single contracted pharmacy to an insured patient taking two or more medications for one or more chronic conditions so that the patient's medications are refilled on the same schedule for a given time period.  "Unbreakable package" means a medication form or package that is to be dispensed in its original container. The term "unbreakable package" includes but is not limited to eye drops, inhalers, creams, and ointments. [L 2018, c 197, §2]
HI Rev Stat § 431:10A-607 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10A-607 Limited benefit health insurance

 §431:10A-607 Limited benefit health insurance. (a) Except as provided in subsection (b) or elsewhere in this article, when used in this article, the terms "accident insurance", "health insurance", or "sickness insurance" shall not include an accident-only; specified disease; hospital indemnity; long-term care; disability; dental; vision; medicare supplement; short-term, limited-duration health insurance; or other limited benefit health insurance contract that pays benefits directly to the insured or the insured's assigns and in which the amount of the benefit paid is not based upon the actual costs incurred by the insured.  (b) When used in sections 431:10A-104, 431:10A-105, 431:10A-106, 431:10A-107, 431:10A-108, 431:10A-109, 431:10A-110, 431:10A-111, 431:10A-112, 431:10A-113, 431:10A-114, 431:10A-117, 431:10A-118, 431:10A-201, 431:10A-202, 431:10A-203, 431:10A-204, 431:10A-205, 431:10A-208, 431:10A-601, 431:10A-602, 431:10A-603, and 431:10A-604, except as otherwise provided, the terms "accident insurance", "accident and health or sickness insurance", "health insurance", or "sickness insurance" shall include an accident-only; specified disease; hospital indemnity; long-term care; disability; dental; vision; medicare supplement; short-term, limited-duration health insurance; or other limited benefit health insurance contract regardless of the manner in which benefits are paid; provided that if any of the requirements in the foregoing sections as applied to long-term care insurance conflict with article 10H, the provisions of article 10H shall govern and control. [L 2019, c 70, §3]
HI Rev Stat § 431:10B-101 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10B-101 Purpose.

  §431:10B-101 Purpose. The purpose of this article is to promote the public welfare by regulating credit life insurance and credit disability insurance. Nothing in this article is intended to prohibit or discourage reasonable competition. The provisions of this article shall be liberally construed. [L 1987, c 347, pt of §2]
HI Rev Stat § 431:10B-102 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10B-102 Scope

  §431:10B-102 Scope. All life insurance and all accident and health or sickness insurance in connection with loans or other credit transactions shall be subject to this article, except such insurance in connection with a loan or other credit transaction of more than ten years' duration; nor shall insurance be subject to this article where the issuance of such insurance is an isolated transaction on the part of the insurer not related to an agreement or a plan for insuring debtors of the creditor. Nothing in this article shall be construed to relieve any person from compliance with any other applicable law. [L 1987, c 347, pt of §2; am L 2002, c 155, §67]
HI Rev Stat § 431:10B-103 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10B-103 Definitions.

  §431:10B-103 Definitions. For the purpose of this article:  "Credit disability insurance" means insurance on a debtor to provide indemnity for payments becoming due on a specific loan or other credit transaction while the debtor is disabled as defined in the policy.  "Credit life insurance" means insurance on the life of a debtor pursuant to or in connection with a specific loan or other credit transaction.  "Creditor" means the lender of money, or seller or lessor of goods, services, property, rights, or privileges, for which payment is arranged through a credit transaction, or any successor to the right, title, or interest of any lender, seller, or lessor, and an affiliate, associate, or subsidiary of any of them or any director, officer, or employee of any of them, or any other person in any way associated with any of them.  "Debtor" means a borrower of money or a purchaser or lessee of goods, services, property, rights, or privileges for which payment is arranged through a credit transaction.  "Indebtedness" means the total amount payable by a debtor to a creditor in connection with a loan or other credit transaction. [L 1987, c 347, pt of §2; am L 2018, c 18, §26]
HI Rev Stat § 431:10B-104 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10B-104 Forms of credit life insurance and credit disability insurance

  §431:10B-104 Forms of credit life insurance and credit disability insurance. Credit life insurance and credit disability insurance shall be issued only in the following forms:  (1) Individual policies of life insurance issued to debtors on the term plan;  (2) Individual policies of accident and health or sickness insurance issued to debtors on a term plan or disability benefit provisions in individual policies of credit life insurance;  (3) Group policies of life insurance issued to creditors pursuant to section 431:10D-203 providing insurance upon the lives of debtors on the term plan; and  (4) Group policies of accident and health or sickness insurance issued to creditors on a term plan insuring debtors or disability benefit provisions in group credit life insurance policies to provide such coverage. [L 1987, c 347, pt of §2; am L 2003, c 212, §82]
HI Rev Stat § 431:10B-105 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10B-105 Amount of credit life insurance and credit disability insurance.

  §431:10B-105 Amount of credit life insurance and credit disability insurance. (a) Credit life insurance.  (1) The initial amount of credit life insurance shall not exceed the total amount repayable under the contract of indebtedness and, where an indebtedness is repayable in substantially equal installments, the amount of insurance shall at no time exceed the scheduled or actual amount of unpaid indebtedness, whichever is greater; except that if the sole purpose of the loan is to provide future advances to the debtor to meet education or education related expenses of the debtor, the debtor's spouse, children or other dependents, the amount of insurance may equal, but may not exceed, the total amount of the described expenses forecast at the time of entry into the loan agreement with the creditor, less the amount of all repayments by the debtor. In the case of revolving loan or revolving charge accounts, the insurance shall at no time exceed the unpaid indebtedness.  (2) Notwithstanding the provisions of subsection (a)(1), insurance on agricultural credit transaction commitments not exceeding one year in duration may be written up to the amount of the loan commitment, on a nondecreasing or level term plan.  (b) Credit disability insurance. The total amount of periodic indemnity payable by credit disability insurance in the event of disability, as defined in the policy, shall not exceed the aggregate of the periodic scheduled unpaid installments of the indebtedness. The amount of each periodic indemnity payment shall not exceed the original indebtedness divided by the number of periodic installments. [L 1987, c 347, pt of §2]
HI Rev Stat § 431:10B-106 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10B-106 Term of credit life and credit disability insurance.

  §431:10B-106 Term of credit life and credit disability insurance. The term of any credit life insurance or credit disability insurance shall, subject to acceptance by the insurer, commence on the date when the debtor becomes obligated to the creditor; except that where a group policy provides coverage with respect to existing obligations, the insurance on a debtor with respect to the indebtedness shall commence on the effective date of the policy. Where evidence of insurability is required and the evidence is furnished more than thirty days after the date when the debtor becomes obligated to the creditor, the term of the insurance may commence on the date on which the insurer determines the evidence to be satisfactory, and in such event, there shall be an appropriate refund or adjustment of any charge to the debtor for insurance. The term of such insurance shall not extend more than fifteen days beyond the scheduled maturity date of the indebtedness except when extended without additional cost to the debtor. If the indebtedness is discharged due to renewal or refinancing prior to the scheduled maturity date, the insurance in force shall be terminated before any new insurance may be issued in connection with the renewed or refinanced indebtedness. In all cases of termination prior to scheduled maturity, a refund shall be paid or credited as provided in section 431:10B-109. [L 1987, c 347, pt of §2]