reglab/housing_qa huggingface dataset:
WV Code § 33-27A-7 (2021)
2021 West Virginia Code|Chapter 33. Insurance|Article 27A. West Virginia Mutual to Mutual Insurance Holding Company Act|§33-27A-7. Corporate Existence of Mutual Company Continue in Recognized Stock Company

(a) Upon a reorganization plan taking effect in accordance with this article, the corporate existence of the mutual insurance company shall continue in the reorganized stock company. On the effective date of the reorganization, all of the assets, rights, franchises and interests of the mutual insurance company in and to every species of property whether real, personal, or mixed and in any accompanying causes of action shall be vested in the reorganized stock company without any deed or transfer, and a reorganized stock company shall assume all of the obligations and liabilities of the mutual insurance company. (b) Unless otherwise specified in a reorganization plan, those persons who are the directors and officers of a mutual insurance company on the effective date of the reorganization shall serve as the directors and officers of the reorganized stock company until new directors and officers are elected pursuant to the recognized stock companys articles of incorporation.
WV Code § 33-27A-8 (2021)
2021 West Virginia Code|Chapter 33. Insurance|Article 27A. West Virginia Mutual to Mutual Insurance Holding Company Act|§33-27A-8. Payment of Costs and Expenses of Reorganization

All costs and expenses for the process of a reorganization under this article shall be paid for or reimbursed by the mutual insurance company, the reorganized stock company, or an intermediate holding company.
WV Code § 33-27A-9 (2021)
2021 West Virginia Code|Chapter 33. Insurance|Article 27A. West Virginia Mutual to Mutual Insurance Holding Company Act|§33-27A-9. Reorganization of Mutual Company

(a) A mutual insurance company may reorganize by merging its policyholders members interests into a domestic or foreign mutual insurance holding company and continuing the corporate existence of the mutual insurance company as a reorganized stock company. A mutual company reorganizing under this article shall comply with all applicable laws of this state and of foreign jurisdictions, to affect the reorganization.(b) A domestic or foreign mutual insurance holding company may reorganize by merging or consolidating its membership interests into another domestic or foreign mutual insurance holding company. A domestic or foreign mutual insurance holding company reorganizing under this subdivision shall comply with all applicable provisions of this article and all applicable laws of foreign jurisdictions, to affect the reorganization.
WV Code § 33-27A-10 (2021)
2021 West Virginia Code|Chapter 33. Insurance|Article 27A. West Virginia Mutual to Mutual Insurance Holding Company Act|§33-27A-10. Membership Interest in Mutual Company

A membership interest in a mutual insurance holding company is not a security under the laws of this state. No member of a mutual insurance holding company may transfer membership in the mutual insurance holding company or any right arising from membership.
WV Code § 33-27A-11 (2021)
2021 West Virginia Code|Chapter 33. Insurance|Article 27A. West Virginia Mutual to Mutual Insurance Holding Company Act|§33-27A-11. Applicability of Other Laws

(a) The provisions of 33-5-24 of this code shall apply to a mutual insurance holding company as if the mutual insurance holding company were a domestic mutual insurance company. The members of the mutual insurance holding company are deemed to be members of a domestic mutual insurance company for all purposes of all such sections.(b) For a period of five years following the effective date of a reorganization under this article, no person shall acquire control of a reorganized stock company without compliance with the provisions of 33-27-1 et seq. of this code. For purposes of this subdivision, "control" has the same meaning as set out in 33-27-2 of this code, except that control is presumed to exist if any person, directly or indirectly, owns, controls, holds with the power to vote, or holds proxies representing 5 percent or more of the voting securities of any other person. (c) An intermediate holding company or if there is no such company, a reorganized stock company shall not issue shares of stock, in addition to the shares issued pursuant to the reorganization plan under which the company was formed, without the prior approval of the mutual insurance holding company as its majority shareholder. The prior approval of the mutual insurance holding company must be evidenced by a resolution of the board of directors of the mutual insurance holding company delivered to the board of directors in the intermediate holding company or the reorganized stock company prior to the issuance of the additional shares. (d) A mutual insurance holding company, and an intermediate holding company, if any, are deemed to be insurers subject to the provisions of this chapter.
WV Code § 33-27A-12 (2021)
2021 West Virginia Code|Chapter 33. Insurance|Article 27A. West Virginia Mutual to Mutual Insurance Holding Company Act|§33-27A-12. Holding Company Treated as Insurer

(a) A mutual insurance holding company, and, if applicable, its intermediate holding company, are deemed to be insurers subject to the provisions of 33-10-1 et seq. of this code. A mutual insurance holding company and the intermediate holding company accordingly are deemed to be parties to any proceeding under such article involving an insurance company of the subsidiary of the mutual insurance holding company or of the intermediate holding company as a result of a reorganization under this article. (b) In any proceeding under 33-10-1 et seq. of this code involving a reorganized stock company, the assets of the mutual insurance holding company, and if applicable, its intermediate holding company, are deemed to be assets of the reorganization stock company for purposes of satisfying claims of the policyholders of the reorganized stock company. (c) A mutual insurance holding company, and, if applicable, its intermediate holding company, shall not be dissolved or liquidated without compliance with the provisions of 33-10-1 et seq. of this code. Such companies are deemed to be domestic insurance companies for purposes of a dissolution or liquidation.
WV Code § 33-27A-13 (2021)
2021 West Virginia Code|Chapter 33. Insurance|Article 27A. West Virginia Mutual to Mutual Insurance Holding Company Act|§33-27A-13. Actions Challenging Reorganization

Any action challenging the validity of, or arising out of, actions taken or proposed to be taken in connection with a reorganization under this article shall be commenced no later than 30 days after the effective date of the reorganization.
WV Code § 33-27A-14 (2021)
2021 West Virginia Code|Chapter 33. Insurance|Article 27A. West Virginia Mutual to Mutual Insurance Holding Company Act|§33-27A-14. Powers of Insurance Commissioner

The West Virginia Insurance Commissioner may adopt rules as he or she deems necessary to carry out the purposes of this article.
WV Code § 33-28-1 (2021)
2021 West Virginia Code|Chapter 33. Insurance|Article 28. Individual Accident and Sickness Insurance Minimum Standards|§33-28-1. Short Title

This article shall be known and cited as the "West Virginia Individual Accident and Sickness Insurance Minimum Standards Act."
WV Code § 33-28-2 (2021)
2021 West Virginia Code|Chapter 33. Insurance|Article 28. Individual Accident and Sickness Insurance Minimum Standards|§33-28-2. Purpose of Article

The purpose of this article is to provide reasonable standardization and simplification of terms and coverages of individual accident and sickness insurance policies and subscriber contracts of hospital and medical service corporations in order to facilitate public understanding and comparison and to eliminate provisions contained in individual accident and sickness insurance policies and subscriber contracts of hospital and medical service corporations which may be misleading or confusing in connection either with the purchase of such coverages or with the settlement of claims and to provide for full disclosure in the sale of such coverages.
WV Code § 33-28-3 (2021)
2021 West Virginia Code|Chapter 33. Insurance|Article 28. Individual Accident and Sickness Insurance Minimum Standards|§33-28-3. Definition of Terms Used in Article

As used in this article, unless used in a context that clearly requires a different meaning, the term:(a) "Form" means a policy, contract, rider, endorsement or application as provided in section eight, article six of this chapter when used to describe an individual accident and sickness policy form, and means a contract, application, rider or endorsement as provided in section six, article twenty-four of this chapter when used to describe a hospital or medical service corporation subscriber's contract.(b) "Accident and sickness insurance" means insurance written under article fifteen of this chapter, other than credit accident and sickness insurance, and coverages written under article twenty-four of this chapter. For purposes of this article, hospital, medical and dental service corporations shall be deemed to be engaged in the business of insurance.(c) "Policy" means the entire contract between an insurer and an individual insured, including the policy, riders, endorsements and the application, if attached. The term "policy" shall not include coverages issued pursuant to a conversion privilege under a policy or contract of group insurance.(d) "Subscriber contract" means the entire subscriber contract issued by a hospital, medical or dental service corporation to an individual subscriber, including the contract, riders, endorsements and the application, if attached. The term "subscriber contract" shall not include coverages issued pursuant to a conversion privilege under a policy or contract of group insurance.(e) "Direct response insurance product" means an individual policy of accident and sickness insurance or a subscriber contract of a hospital, medical or dental service corporation, the sale of which is effected through direct contact between an insurer and an individual insured or between a hospital, medical or dental service corporation and a subscriber, without employing the intermediary services of an agent, broker or solicitor.
WV Code § 33-28-4 (2021)
2021 West Virginia Code|Chapter 33. Insurance|Article 28. Individual Accident and Sickness Insurance Minimum Standards|§33-28-4. Standards for Policy Provisions

(a) The commissioner shall promulgate rules and regulations, in accordance with chapter twenty-nine-a of the code, to establish specific standards, including standards of full and fair disclosure, that set forth the manner, content and required disclosure for the sale of individual policies of accident and sickness insurance and subscriber contracts of hospital, medical and dental service corporations which shall be in addition to, and in accordance with, applicable laws of this state. Such rules and regulations may cover, but shall not be limited to:(1) Terms of renewability;(2) Initial and subsequent conditions of eligibility;(3) Nonduplication of coverage provisions;(4) Coverage of dependents;(5) Preexisting conditions;(6) Termination of insurance;(7) Probationary periods;(8) Limitations;(9) Exceptions;(10) Reductions;(11) Elimination periods;(12) Requirements for replacement;(13) Recurrent conditions; and(14) The definition of terms including, but not limited to, hospital, accident, sickness, injury, physician, accidental means, total disability, permanent disability, partial disability, nervous disorder, guaranteed renewable and noncancelable.(b) The commissioner may promulgate rules and regulations, in accordance with chapter twenty-nine-a of the code, specifying prohibited provisions of policies and subscriber contracts not otherwise specifically authorized by statute which in the opinion of the commissioner are unjust, unfair or unfairly discriminatory either to the policyholder, subscriber, beneficiary or any person insured under the policy.
WV Code § 33-28-5 (2021)
2021 West Virginia Code|Chapter 33. Insurance|Article 28. Individual Accident and Sickness Insurance Minimum Standards|§33-28-5. Minimum Standards for Benefits

(a) The commissioner shall promulgate rules and regulations, in accordance with chapter twenty-nine-a of the code, to establish minimum standards for benefits under each of the following categories of coverage in individual policies of accident and sickness insurance and subscriber contracts of hospital, medical, dental and service corporations:(1) Basic hospital expense coverage;(2) Basic medical-surgical expense coverage;(3) Hospital confinement indemnity coverage;(4) Major medical expense coverage;(5) Disability income protection coverage;(6) Accident only coverage; and(7) Specified disease or specified accident coverage.(b) Nothing in this section shall preclude the issuance of any policy or subscriber contract which combines two or more of the categories of coverage enumerated in subdivisions (1) through (6) of subsection (a) of this section.(c) No policy or subscriber contract shall be delivered or issued for delivery in this state which does not meet the prescribed minimum standards for the categories of coverage listed in subdivisions (1) through (7) of subsection (a) of this section unless the commissioner finds that such policy or subscriber contract will be in the public interest and that such policy or subscriber contract contains benefits which are reasonable in relation to the premium charged.(d) The commissioner shall prescribe the method of identification of policies and subscriber contracts based upon coverages provided.
WV Code § 33-28-5a (2021)
2021 West Virginia Code|Chapter 33. Insurance|Article 28. Individual Accident and Sickness Insurance Minimum Standards|§33-28-5a. Home Health Care Coverage

(a) Any insurer who, on or after January 1, 1981, delivers or issues for delivery in this state individual basic hospital expense or major medical expense coverage shall make available to the policyholder home health care coverage consistent with the provisions of this section. For purposes of this section, "home health care" means health services provided by a home health agency certified in the state in which the home health services are delivered or under Title XVIII of the Social Security Act.(b) Home health care coverage offered shall include:(1) Services provided by a registered nurse or a licensed practical nurse;(2) Health services provided by physical, occupational, respiratory and speech therapists;(3) Health services provided by a home health aide to the extent that such services would be covered if provided to the insured on an inpatient basis;(4) Medical supplies, drugs, medicines and laboratory services to the extent that they would be covered if provided to the insured on an inpatient basis; and(5) Services provided by a licensed midwife or a licensed nurse midwife as these occupations are defined in section one, article fifteen of the code.(c) Home health care coverage may be limited to:(1) Services provided on the written order of a licensed physician, provided such order is renewed at least every sixty days;(2) Services provided, directly or through contractual agreements, by a home health agency certified in the state in which the home health services are delivered or under Title XVIII of the Social Security Act; and(3) Services as set forth in subsection (b) of this section without which the insured would have to be hospitalized.(d) Coverage under this section shall be provided for at least one hundred home visits per insured per policy year, with each home visit by a member of a home health care team to be considered as one home health care visit including up to four hours of home health care services.(e) No such policy need provide such coverage to persons eligible for Medicare.
WV Code § 33-28-6 (2021)
2021 West Virginia Code|Chapter 33. Insurance|Article 28. Individual Accident and Sickness Insurance Minimum Standards|§33-28-6. Outline of Coverage

(a) In order to provide for full and fair disclosure in the sale of individual accident and sickness insurance policies or subscriber contracts of hospital, medical and dental service corporations, no such policy or subscriber contract shall be delivered or issued for delivery in this state unless:(1) In the case of a direct response insurance product, the outline of coverage described in subsection (b) of this section accompanies the policy or subscriber contract; and(2) In all other cases, the outline of coverage described in subsection (b) of this section is delivered to the applicant at the time application is made and an acknowledgment of receipt or certificate of delivery of such outline is provided the insurer or hospital, medical or dental service corporation with the application. In the event the policy or subscriber contract is issued on a basis other than that applied for, the outline of coverage properly describing the policy or subscriber contract must accompany the policy or subscriber contract when it is delivered and clearly state that it is not the policy or subscriber contract for which application was made.(b) The commissioner shall, by promulgation of appropriate rules and regulations in accordance with chapter twenty-nine-a of the code, prescribe the format and content of the outline of coverage required by subsection (a) of this section. "Format" means style, arrangement and overall appearance, including such items as the size, color and prominence of type and the arrangement of text and captions. Such outline of coverage shall include:(1) A statement identifying the applicable category or categories of coverage provided by the policy or subscriber contract as prescribed in section five of this article;(2) A description of the principal benefits and coverage provided in the policy or subscriber contract;(3) A statement of the exceptions, reductions and limitations contained in the policy or subscriber contract;(4) A statement of the renewal provisions, including any reservation by the insurer or hospital, medical or dental service corporation of a right to change premiums; and(5) A statement that the outline of coverage is a summary of the policy or subscriber contract issued or applied for and that the terms of the policy or subscriber contract should be consulted to determine governing contractual provisions.
WV Code § 33-28-7 (2021)
2021 West Virginia Code|Chapter 33. Insurance|Article 28. Individual Accident and Sickness Insurance Minimum Standards|§33-28-7. Preexisting Conditions

Notwithstanding the provisions of section four, article fifteen of this chapter if an insurer or a hospital, medical or dental service corporation elects to use a simplified application form containing no questions concerning the applicant's health history or medical treatment history, the policy or contract applied for must cover any loss occurring after twelve months from the inception date of coverage which loss is traceable to a preexisting condition not specifically excluded from coverage by the terms of the policy, and, except as so provided, the policy or contract shall not include wording which would permit a defense based upon preexisting conditions.
WV Code § 33-29-1 (2021)
2021 West Virginia Code|Chapter 33. Insurance|Article 29. Life and Accident and Sickness Insurance Policy Language Simplification Act|§33-29-1. Title

This article may be cited as the Life and Accident and Sickness Insurance Policy Language Simplification Act.
WV Code § 33-29-2 (2021)
2021 West Virginia Code|Chapter 33. Insurance|Article 29. Life and Accident and Sickness Insurance Policy Language Simplification Act|§33-29-2. Purpose

The purpose of this article is to establish minimum standards for language used in policies, contracts and certificates of life insurance, accident and sickness insurance, credit life insurance and credit accident and sickness insurance delivered or issued for delivery in this state to facilitate ease of reading by insureds.This article is not intended to increase the risk assumed by insurance companies or other entities subject to this article or to supersede their obligation to comply with the substance of other insurance legislation applicable to life, accident and sickness, credit life or credit accident and sickness insurance policies. This article is not intended to impede flexibility and innovation in the development of policy forms or content or to lead to the standardization of policy forms or content.
WV Code § 33-29-3 (2021)
2021 West Virginia Code|Chapter 33. Insurance|Article 29. Life and Accident and Sickness Insurance Policy Language Simplification Act|§33-29-3. Definitions

(a) "Policy" or "policy form" means any policy, contract, plan or agreement of life or accident and sickness insurance, including credit life insurance and credit accident and sickness insurance, delivered or issued for delivery in this state by any company subject to this article; any certificate, contract or policy issued by a fraternal benefit society; and any certificate issued pursuant to a group insurance policy delivered or issued for delivery in this state.(b) "Company" or "insurer" means any life or accident and sickness insurance company, fraternal benefit society, nonprofit health service corporation, nonprofit hospital service corporation, nonprofit medical service corporation, prepaid health plan, dental care plan, vision care plan, pharmaceutical plan, health maintenance organization, and all similar type organizations.
WV Code § 33-29-4 (2021)
2021 West Virginia Code|Chapter 33. Insurance|Article 29. Life and Accident and Sickness Insurance Policy Language Simplification Act|§33-29-4. Applicability and Scope

(a) This article shall apply to all policies delivered or issued for delivery in this state by any company on or after the date such forms must be approved under this article, but nothing in this article shall apply to:(1) Any policy which is a security subject to federal jurisdiction;(2) Any group policy covering a group of one thousand or more lives at date of issue, other than a group credit life insurance policy or a group credit accident and sickness insurance policy; however, this shall not exempt any certificate issued pursuant to a group policy delivered or issued for delivery in this state;(3) Any group annuity contract which serves as a funding vehicle for pension, profit sharing, or deferred compensation plans;(4) Any form used in connection with, as a conversion from, as an addition to, or in exchange pursuant to a contractual provision for, a policy delivered or issued for delivery on a form approved or permitted to be issued prior to the dates such forms must be approved under this article; or(5) The renewal of a policy delivered or issued for delivery prior to the dates such forms must be approved under this article.(b) No other statute of this state setting language simplification standards shall apply to any policy forms.
WV Code § 33-29-6 (2021)
2021 West Virginia Code|Chapter 33. Insurance|Article 29. Life and Accident and Sickness Insurance Policy Language Simplification Act|§33-29-6. Construction

Nothing in this article shall be construed to negate any law of this state permitting the issuance of any policy form after it has been on file for the time period specified.
WV Code § 33-29-7 (2021)
2021 West Virginia Code|Chapter 33. Insurance|Article 29. Life and Accident and Sickness Insurance Policy Language Simplification Act|§33-29-7. Powers of the Commissioner

The commissioner may authorize a lower score than the Flesch reading ease score required in subdivision (1), subsection (a), section five of this article whenever, in his sole discretion, he finds that a lower score: (a) Will provide a more accurate reflection of the readability of a policy form; (b) is warranted by the nature of a particular policy form or type or class of policy forms; or (c) is caused by certain policy language which is drafted to conform to the requirements of any state law, regulation or agency interpretation.