reglab/housing_qa huggingface dataset:
18 DE Code § 3308. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 33. Health Insurance Contracts|Subchapter I. General Provisions|§ 3308. Reinstatement.

§ 3308. Reinstatement. (a) There shall be a provision as follows:  “Reinstatement: 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 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 forty-fifth 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 ten 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 herein 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.”  (b) 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.18 Del. C. 1953, §  3308;  56 Del. Laws, c. 380, §  1;  80 Del. Laws, c. 310, § 1;
18 DE Code § 3309. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 33. Health Insurance Contracts|Subchapter I. General Provisions|§ 3309. Notice of claim.

§ 3309. Notice of claim. (a) There shall be a provision as follows:  “Notice of Claim: Written notice of claim must be given to the 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 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.”  (b) In a policy providing a loss-of-time benefit which may be payable for at least 2 years, an insurer 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/she shall, at least once in every six months after having given notice of the claim, give to the company notice of continuance of the 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 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 six months preceding the date on which such notice is actually given.” 18 Del. C. 1953, §  3309;  56 Del. Laws, c. 380, §  1;  70 Del. Laws, c. 186, §  1;  80 Del. Laws, c. 310, § 1;
18 DE Code § 3310. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 33. Health Insurance Contracts|Subchapter I. General Provisions|§ 3310. Claim.

§ 3310. Claim. There shall be a provision as follows:  “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 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. The nonhospital claim form to be used under this provision is the Health Care Financing Administration Form-1500 or its successor. This form requirement shall not apply to medical payments made by the federal government, prescription drug claims, dental claims or claims using an electronic paperless submission process.”18 Del. C. 1953, §  3310;  56 Del. Laws, c. 380, §  1;  68 Del. Laws, c. 416, §  1;  80 Del. Laws, c. 310, § 1;
18 DE Code § 3311. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 33. Health Insurance Contracts|Subchapter I. General Provisions|§ 3311. Proofs of loss.

§ 3311. Proofs of loss. There shall be a provision as follows:  “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 ninety days after the termination of the period for which the company 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.”18 Del. C. 1953, §  3311;  56 Del. Laws, c. 380, §  1;  80 Del. Laws, c. 310, § 1;
18 DE Code § 3312. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 33. Health Insurance Contracts|Subchapter I. General Provisions|§ 3312. Time of payment of claims.

§ 3312. Time of payment of claims. There shall be a provision as follows:  “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.”18 Del. C. 1953, §  3312;  56 Del. Laws, c. 380, §  1;  80 Del. Laws, c. 310, § 1;
18 DE Code § 3314. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 33. Health Insurance Contracts|Subchapter I. General Provisions|§ 3314. Physical examination; autopsy.

§ 3314. Physical examination; autopsy. There shall be a provision as follows:  “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.”18 Del. C. 1953, §  3314;  56 Del. Laws, c. 380, §  1;  80 Del. Laws, c. 310, § 1;
18 DE Code § 3315. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 33. Health Insurance Contracts|Subchapter I. General Provisions|§ 3315. Legal actions.

§ 3315. Legal actions. There shall be a provision as follows:  “Legal Actions: 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.”18 Del. C. 1953, §  3315;  56 Del. Laws, c. 380, §  1;  80 Del. Laws, c. 310, § 1;
18 DE Code § 3316. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 33. Health Insurance Contracts|Subchapter I. General Provisions|§ 3316. Change of beneficiary.

§ 3316. Change of beneficiary. (a) There shall be a provision as follows:  “Change of Beneficiary: Unless the insured make an irrevocable designation of beneficiary, the right to change the 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.”  (b) The first clause of this provision, relating to the irrevocable designation of beneficiary, may be omitted at the insurer's option. 18 Del. C. 1953, §  3316;  56 Del. Laws, c. 380, §  1;  80 Del. Laws, c. 310, § 1;
18 DE Code § 3317. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 33. Health Insurance Contracts|Subchapter I. General Provisions|§ 3317. Optional policy provisions.

§ 3317. Optional policy provisions. Except as provided in § 3304 of this title, no such policy delivered or issued for delivery to any person in this State shall contain provisions respecting the matters set forth in §§ 3318-3325, inclusive, of this title unless such provisions are in the words in which the same appear in the applicable 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 Commissioner 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 or at the option of the insurer, by such appropriate individual or group captions or subcaptions as the Commissioner may approve. 18 Del. C. 1953, §  3317;  56 Del. Laws, c. 380, §  1;  80 Del. Laws, c. 310, § 1;
18 DE Code § 3318. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 33. Health Insurance Contracts|Subchapter I. General Provisions|§ 3318. Change of occupation.

§ 3318. Change of occupation. There may be a provision as follows:  “Change of Occupation: If the insured be injured or contract sickness after having changed his/her 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/her 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.”18 Del. C. 1953, §  3318;  56 Del. Laws, c. 380, §  1;  70 Del. Laws, c. 186, §  1;  80 Del. Laws, c. 310, § 1;
18 DE Code § 3319. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 33. Health Insurance Contracts|Subchapter I. General Provisions|§ 3319. Misstatement of age.

§ 3319. Misstatement of age. There may be a provision as follows:  “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.”18 Del. C. 1953, §  3319;  56 Del. Laws, c. 380, §  1;  80 Del. Laws, c. 310, § 1;
18 DE Code § 3322. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 33. Health Insurance Contracts|Subchapter I. General Provisions|§ 3322. Unpaid premiums.

§ 3322. Unpaid premiums. There may be a provision as follows:  “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.”18 Del. C. 1953, §  3323;  56 Del. Laws, c. 380, §  1;  80 Del. Laws, c. 310, § 1;
18 DE Code § 3323. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 33. Health Insurance Contracts|Subchapter I. General Provisions|§ 3323. Conformity with state statutes.

§ 3323. Conformity with state statutes. There may be a provision as follows:  “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.”18 Del. C. 1953, §  3324;  56 Del. Laws, c. 380, §  1;  80 Del. Laws, c. 310, § 1;
18 DE Code § 3324. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 33. Health Insurance Contracts|Subchapter I. General Provisions|§ 3324. Illegal occupation.

§ 3324. Illegal occupation. There may be a provision as follows:  “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.”18 Del. C. 1953, §  3325;  56 Del. Laws, c. 380, §  1;  80 Del. Laws, c. 310, § 1;
18 DE Code § 3325. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 33. Health Insurance Contracts|Subchapter I. General Provisions|§ 3325. Intoxicants and narcotics.

§ 3325. Intoxicants and narcotics. There may be a provision as follows:  “Intoxicants and Narcotics: The company shall not be liable for any loss sustained or contracted in consequence of the insured's being intoxicated or under the influence of any narcotic unless administered on the advice of a physician.”18 Del. C. 1953, §  3326;  56 Del. Laws, c. 380, §  1;  80 Del. Laws, c. 310, § 1;
18 DE Code § 3326. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 33. Health Insurance Contracts|Subchapter I. General Provisions|§ 3326. Renewability.

§ 3326. Renewability. Health insurance policies, other than accident insurance only policies, in which the insurer reserves the right to refuse renewal on an individual basis, shall provide in substance in a provision thereof or in an endorsement thereon or rider attached thereto that subject to the right to terminate the policy upon nonpayment of premium when due, such right to refuse renewal may not be exercised so as to take effect before the renewal date occurring on, or after and nearest, each policy anniversary (or in the case of lapse and reinstatement, at the renewal date occurring on, or after and nearest, each anniversary of the last reinstatement), and that any refusal of renewal shall be without prejudice to any claim originating while the policy is in force. (The parenthetic reference to lapse and reinstatement may be omitted at the insurer's option.) 18 Del. C. 1953, §  3327;  56 Del. Laws, c. 380, §  1;  80 Del. Laws, c. 310, § 1;
18 DE Code § 3327. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 33. Health Insurance Contracts|Subchapter I. General Provisions|§ 3327. Order of certain provisions.

§ 3327. Order of certain provisions. The provisions which are the subject of §§ 3305-3326, inclusive, of this title, 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 insurer, 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 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. 18 Del. C. 1953, §  3328;  56 Del. Laws, c. 380, §  1;  80 Del. Laws, c. 310, § 1;
18 DE Code § 3328. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 33. Health Insurance Contracts|Subchapter I. General Provisions|§ 3328. Third-party ownership.

§ 3328. Third-party ownership. The word “insured,” as used in this subchapter, 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. 18 Del. C. 1953, §  3329;  56 Del. Laws, c. 380, §  1;  80 Del. Laws, c. 310, § 1;
18 DE Code § 3329. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 33. Health Insurance Contracts|Subchapter I. General Provisions|§ 3329. Requirements of other jurisdictions.

§ 3329. 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 chapter and which is prescribed or required by the law of the state or country under which the insurer is organized. (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 other state or country. 18 Del. C. 1953, §  3330;  56 Del. Laws, c. 380, §  1;  80 Del. Laws, c. 310, § 1;
18 DE Code § 3330. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 33. Health Insurance Contracts|Subchapter I. General Provisions|§ 3330. Policies issued for delivery in another state.

§ 3330. Policies issued for delivery in another state. If any policy is issued by a domestic insurer for delivery to a person residing in another state, and if the insurance commissioner or corresponding public official of such other state has informed the Commissioner that any such policy is not subject to approval or disapproval by such official, the Commissioner may by ruling require that the policy meet the standards set forth in §§ 3303-3329, inclusive, of this title. 18 Del. C. 1953, §  3331;  56 Del. Laws, c. 380, §  1;  80 Del. Laws, c. 310, § 1;
18 DE Code § 3331. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 33. Health Insurance Contracts|Subchapter I. General Provisions|§ 3331. Conforming to statute.

§ 3331. Conforming to statute. (a) No policy provision which is not subject to this chapter 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 chapter. (b) A policy delivered or issued for delivery to any person in this State in violation of this chapter shall be held valid but shall be construed as provided in this chapter. When any provision in a policy subject to this chapter is in conflict with any provision of this chapter, the rights, duties, and obligations of the insurer, the insured and the beneficiary shall be governed by the provisions of this chapter. 18 Del. C. 1953, §  3332;  56 Del. Laws, c. 380, §  1;  80 Del. Laws, c. 310, § 1;
18 DE Code § 3332. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 33. Health Insurance Contracts|Subchapter I. General Provisions|§ 3332. Age limit.

§ 3332. Age limit. If any such policy contains a provision establishing, as an age limit or otherwise, a date after which the coverage provided by the policy will not be effective, and if such date falls within a period for which premium is accepted by the insurer or if the insurer accepts a premium after such date, the coverage provided by the policy will continue in force until the end of the period for which the premium has been accepted. In the event the age of the insured has been misstated and if, according to the correct age of the insured, the coverage provided by the policy would not have become effective, or would have ceased prior to the acceptance of such premium or premiums, then the liability of the insurer shall be limited to the refund, upon request, of all premiums paid for the period not covered by the policy. 18 Del. C. 1953, §  3333;  56 Del. Laws, c. 380, §  1;  80 Del. Laws, c. 310, § 1;
18 DE Code § 3333. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 33. Health Insurance Contracts|Subchapter I. General Provisions|§ 3333. Filing of rates.

§ 3333. Filing of rates. Each insurer issuing health insurance policies for delivery in this State shall, before use thereof, file with the Commissioner its premium rates and classification of risks pertaining to such policies. The insurer shall adhere to its rates and classifications as filed with the Commissioner. The insurer may change such filings from time to time as it deems proper. The filing of rates shall be made pursuant to and under the requirements of Chapter 25 of this title. 18 Del. C. 1953, §  3334;  56 Del. Laws, c. 380, §  1;  60 Del. Laws, c. 388, §  3;  80 Del. Laws, c. 310, § 1;
18 DE Code § 3334. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 33. Health Insurance Contracts|Subchapter I. General Provisions|§ 3334. Franchise health insurance law.

§ 3334. Franchise health insurance law. Health insurance on a franchise plan is hereby declared to be that form of health insurance issued to:  (1) Three or more employees of any corporation, copartnership, or individual employer or any governmental corporation, agency or department thereof; or (2) Ten or more members, employees or employees of members of any trade or professional association or of a labor union or of any other association having had an active existence for at least 2 years where such association or union has a constitution or bylaws and is formed in good faith for purposes other than that of obtaining insurance; where such persons with or without their dependents are issued the same form of an individual policy varying only as to amounts and kinds of coverage applied for by such persons under an arrangement whereby the premiums on such policies may be paid to the insurer periodically by the employer, with or without payroll deductions, or by the association or union for its members, or by some designated person acting on behalf of such employer or association or union. The term “employees” as used herein may be deemed to include the officers, managers and employees and retired employees of the employer and the individual proprietor or partners if the employer is an individual proprietor or partnership. 18 Del. C. 1953, §  3335;  56 Del. Laws, c. 380, §  1;  80 Del. Laws, c. 310, § 1;