reglab/housing_qa huggingface dataset:
RI Gen L § 27-18-2.1 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-18 - Accident and Sickness Insurance Policies|Section 27-18-2.1 - Uniform explanation of benefits and coverage.

§ 27-18-2.1. Uniform explanation of benefits and coverage.(a) A health insurance carrier shall provide a summary of benefits and coverage explanation and definitions to policyholders and others required by, and at the times and in the format required, by the federal regulations adopted under section 2715 [42 U.S.C. § 300gg-15] of the Public Health Service Act, as amended by the federal Affordable Care Act. The forms required by this section shall be made available to the commissioner on request. Nothing in this section shall be construed to limit the authority of the commissioner under existing state law.(b) The provisions of this section shall apply to grandfathered health plans. This section shall not apply to insurance coverage providing benefits for: (1) hospital confinement indemnity; (2) disability income; (3) accident only; (4) long term care; (5) Medicare supplement; (6) limited benefit health; (7) specified disease indemnity; (8) sickness or bodily injury or death by accident or both; and (9) other limited benefit policies.(c) If the commissioner of the office of the health insurance commissioner determines that the corresponding provision of the federal Patient Protection and Affordable Care Act has been declared invalid by a final judgment of the federal judicial branch or has been repealed by an act of Congress, on the date of the commissioner's determination this section shall have its effectiveness suspended indefinitely, and the commissioner shall take no action to enforce this section. Nothing in this section shall be construed to limit the authority of the commissioner under existing state law.History of Section.P.L. 2012, ch. 256, § 2; P.L. 2012, ch. 262, § 2.
RI Gen L § 27-18-3.1 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-18 - Accident and Sickness Insurance Policies|Section 27-18-3.1 - Alternative coverage by employer.

§ 27-18-3.1. Alternative coverage by employer.(a) Each employer or other organization which contributes to a group health insurance contract or dental benefit plan covering twenty-five (25) or more persons, which restricts the covered persons in selecting the providers of dental care services to a single dentist or limited number of dentists, shall also offer its employees or eligible dependents at the time a dental benefits plan is offered or renewed at least one alternative cover of comparable benefits which permits covered persons to obtain dental care services from the licensed dentist of their choice if the alternate coverage is proposed to the employer or other organization by either an insurance company licensed to do business in the state of Rhode Island or a hospital, medical, or dental service corporation chartered in the state of Rhode Island. The licensed dentist shall conform to the quality assurance, utilization, and review programs of the party providing alternative coverage.(b) The employer or other organization shall pay or contribute for the employee or member for the provision of alternative coverage, an amount equal to the lesser of:(1) The premium or cost which it pays or contributes for the employee or member to the group health insurance contract or dental benefit plan which limits the number of providers of dental services; or(2) The actual cost or premium of the alternate coverage obtained by the employee or member.History of Section.P.L. 1986, ch. 163, § 1.
RI Gen L § 27-18-3.2 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-18 - Accident and Sickness Insurance Policies|Section 27-18-3.2 - Rules and regulations.

§ 27-18-3.2. Rules and regulations.The department of business regulation shall promulgate rules and regulations necessary to effectuate the purpose of this chapter, including procedures for notice to covered persons, employers, and other organizations of the provisions of this chapter.History of Section.P.L. 1986, ch. 163, § 1.
RI Gen L § 27-18-3.3 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-18 - Accident and Sickness Insurance Policies|Section 27-18-3.3 - Penalties.

§ 27-18-3.3. Penalties.In addition to any other penalty provided by law, any person, firm, or corporation who violates §§ 27-18-3.1 — 27-18-3.5, after a hearing held in accordance with the provisions of § 42-35-9 by the department of business regulation, shall be fined civilly not less than one thousand dollars ($1,000) nor more than two thousand five hundred dollars ($2,500).History of Section.P.L. 1986, ch. 163, § 1; P.L. 2002, ch. 292, § 33.
RI Gen L § 27-18-3.4 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-18 - Accident and Sickness Insurance Policies|Section 27-18-3.4 - Judicial review.

§ 27-18-3.4. Judicial review.Any person, firm, or corporation aggrieved by a decision or order per § 27-18-3.3 shall have a right of appeal pursuant to the provisions of § 42-35-15.History of Section.P.L. 1986, ch. 163, § 1.
RI Gen L § 27-18-3.5 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-18 - Accident and Sickness Insurance Policies|Section 27-18-3.5 - Non-applicability.

§ 27-18-3.5. Non-applicability.Sections 27-18-3.1 — 27-18-3.5 shall not apply to dental plans offered by any health maintenance organization, its parent, or subsidiary, which as of December 31, 1985, was licensed or had filed an application for a license, under the laws of this state.History of Section.P.L. 1986, ch. 163, § 1.
RI Gen L § 27-18-5 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-18 - Accident and Sickness Insurance Policies|Section 27-18-5 - Inapplicable or inconsistent provisions.

§ 27-18-5. Inapplicable or inconsistent provisions.If any provision of §§ 27-18-3 — 27-18-10 is in whole or in part inapplicable to or inconsistent with the coverage provided by a particular form of policy, the insurer, with the approval of the commissioner, shall omit from that policy any inapplicable provision or part of a provision, and shall modify any inconsistent provision or part of the provision in a manner as to make the provision as contained in the policy consistent with the coverage provided by the policy.History of Section.P.L. 1956, ch. 3808, § 3; G.L. 1956, § 27-18-5.
RI Gen L § 27-18-6 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-18 - Accident and Sickness Insurance Policies|Section 27-18-6 - Sequence of provisions.

§ 27-18-6. Sequence of provisions.The provisions which are the subject of §§ 27-18-3 and 27-18-4, or any corresponding provisions used in lieu of them in accordance with those sections, shall be printed in the consecutive order of the provisions in the section or, at the option of the insurer, the provision may appear as a unit in any part of the policy, with other provisions to which it may be logically related, provided the resulting policy shall not be in whole or in part unintelligible, uncertain, ambiguous, abstruse, or likely to mislead a person to whom the policy is offered, delivered, or issued.History of Section.P.L. 1956, ch. 3808, § 3; G.L. 1956, § 27-18-6.
RI Gen L § 27-18-7 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-18 - Accident and Sickness Insurance Policies|Section 27-18-7 - Third party ownership.

§ 27-18-7. Third party ownership.The word "insured", as used in this chapter, 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 the policy to any indemnities, benefits, and rights provided in the policy.History of Section.P.L. 1956, ch. 3808, § 3; G.L. 1956, § 27-18-7.
RI Gen L § 27-18-8 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-18 - Accident and Sickness Insurance Policies|Section 27-18-8 - Filing of accident and sickness insurance policy forms.

§ 27-18-8. Filing of accident and sickness insurance policy forms.(a) Any insurance company authorized to do an accident and sickness business within this state in accordance with the provisions of this title shall file all accident and sickness insurance policy forms and rates used by it in the state with the insurance commissioner, including the forms of any rider, endorsement, application blank, and other matter generally used or incorporated by reference in its policies or contracts of insurance. No such form shall be used if disapproved by the commissioner under this section, or if the commissioner's approval has been withdrawn under § 27-18-8.3, or until the expiration of the waiting period established under § 27-18-8.3. Such a company shall comply with its filed and approved forms. If the commissioner finds from an examination of any form that it is contrary to the public interest, or the requirements of this code or duly promulgated regulations, he or she shall forbid its use, and shall notify the company in writing as provided in § 27-18-8.2.(b) Each rate filing shall include a certification by a qualified actuary that to the best of the actuary's knowledge and judgment, the entire rate filing is in compliance with applicable laws and that the benefits offered or proposed to be offered are reasonable in relation to the premium to be charged. A health insurance carrier shall comply with its filed and approved rates and forms.History of Section.P.L. 1956, ch. 3808, § 3; G.L. 1956, § 27-18-8; P.L. 1988, ch. 564, § 1; P.L. 2012, ch. 256, § 3; P.L. 2012, ch. 262, § 3.
RI Gen L § 27-18-8.1 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-18 - Accident and Sickness Insurance Policies|Section 27-18-8.1 - Waiting period - Effective date of filings.

§ 27-18-8.1. Waiting period — Effective date of filings.Each filing shall be on file for a waiting period of sixty (60) days before it becomes effective. The commissioner may authorize a filing that he or she has reviewed to become effective before the expiration of the waiting period or any extension of the waiting period. A filing shall be deemed to meet the requirements of this chapter and become effective unless disapproved by the commissioner within the waiting period.History of Section.P.L. 1988, ch. 564, § 2.
RI Gen L § 27-18-8.2 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-18 - Accident and Sickness Insurance Policies|Section 27-18-8.2 - Notice of disapproval.

§ 27-18-8.2. Notice of disapproval.If within the waiting period the commissioner finds that a filing does not meet the requirements of this chapter, he or she shall send to the insurer which made the filing written notice of disapproval of the filing, specifying in the notice in what respects he or she finds that the filing fails to meet the requirements of this chapter, and stating that the filing is disapproved.History of Section.P.L. 1988, ch. 564, § 2.
RI Gen L § 27-18-8.3 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-18 - Accident and Sickness Insurance Policies|Section 27-18-8.3 - Withdrawal of approval.

§ 27-18-8.3. Withdrawal of approval.After proper notice and a hearing in accordance with chapter 35 of title 42, the commissioner may withdraw his or her approval of any form approved under § 27-18-8.1 if he or she finds that the form does not meet the requirements of this chapter. If approval is withdrawn, the form or rate shall not be used in this state after the date of withdrawal.History of Section.P.L. 1988, ch. 564, § 2.
RI Gen L § 27-18-8.4 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-18 - Accident and Sickness Insurance Policies|Section 27-18-8.4 - Rules as to filing.

§ 27-18-8.4. Rules as to filing.The commissioner may make any reasonable rules and regulations concerning the procedure for the filing or submission of policies subject to this chapter as are necessary, proper, or advisable to the administration of this chapter. This provision shall not abridge any other authority granted the commissioner by law.History of Section.P.L. 1988, ch. 564, § 2.
RI Gen L § 27-18-9 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-18 - Accident and Sickness Insurance Policies|Section 27-18-9 - Policies of foreign insurers.

§ 27-18-9. Policies of foreign insurers.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 provision of this chapter and which is prescribed or required by the law of the state under which the insurer is organized.History of Section.P.L. 1956, ch. 3808, § 3; G.L. 1956, § 27-18-9.
RI Gen L § 27-18-10 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-18 - Accident and Sickness Insurance Policies|Section 27-18-10 - Compliance by domestic insurer with laws of other states.

§ 27-18-10. Compliance by domestic insurer with laws of other states.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 that other state or country.History of Section.P.L. 1956, ch. 3808, § 3; G.L. 1956, § 27-18-10.
RI Gen L § 27-18-11 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-18 - Accident and Sickness Insurance Policies|Section 27-18-11 - Application of provisions to policy issued to nonresident.

§ 27-18-11. Application of provisions to policy issued to nonresident.If any policy is issued by an insurer domiciled in this state for delivery to a person residing in another state, and if the official having responsibility for the administration of the insurance laws of the other state has advised the commissioner that the policy is not subject to approval or disapproval by the official, the commissioner may by ruling require that the policy meet the standards set forth in §§ 27-18-2 — 27-18-10.History of Section.P.L. 1956, ch. 3808, § 2; G.L. 1956, § 27-18-11.
RI Gen L § 27-18-12 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-18 - Accident and Sickness Insurance Policies|Section 27-18-12 - Less favorable provisions prohibited.

§ 27-18-12. Less favorable provisions prohibited.No policy provision that is not subject to §§ 27-18-3 — 27-18-10 shall make a policy, or any portion of a policy, less favorable in any respect to the insured or the beneficiary than the provisions of the policy which are subject to this chapter.History of Section.P.L. 1956, ch. 3808, § 4; G.L. 1956, § 27-18-12.
RI Gen L § 27-18-13 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-18 - Accident and Sickness Insurance Policies|Section 27-18-13 - Effect of policies inconsistent with chapter.

§ 27-18-13. Effect of policies inconsistent with chapter.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.History of Section.P.L. 1956, ch. 3808, § 4; G.L. 1956, § 27-18-13.
RI Gen L § 27-18-14 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-18 - Accident and Sickness Insurance Policies|Section 27-18-14 - Copies of applications.

§ 27-18-14. Copies of applications.The insured shall not be bound by any statement made in an application for a policy unless a copy of the application is attached to or endorsed on the policy when issued as a part of the policy. If the policy delivered or issued for delivery to any person in this state shall be reinstated or renewed, and the insured or the beneficiary or assignee of the policy shall make written request to the insurer for a copy of the application, if any, for the reinstatement or renewal, the insurer shall within fifteen (15) days after the receipt of the request at its home office or any branch office of the insurer, deliver or mail to the person making the request a copy of the application. If the copy shall not be delivered or mailed in this manner, the insurer shall be precluded from introducing the application as evidence in any action or proceeding based upon or involving the policy or its reinstatement or renewal.History of Section.P.L. 1956, ch. 3808, § 5; G.L. 1956, § 27-18-14.
RI Gen L § 27-18-15 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-18 - Accident and Sickness Insurance Policies|Section 27-18-15 - Alteration of application.

§ 27-18-15. Alteration of application.No alteration of any written application for the policy shall be made by any person other than the applicant without his or her written consent, except that insertions may be made by the insurer, for administrative purposes only, in a manner to indicate clearly that the insertions are not to be ascribed to the applicant.History of Section.P.L. 1956, ch. 3808, § 5; G.L. 1956, § 27-18-15.
RI Gen L § 27-18-16 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-18 - Accident and Sickness Insurance Policies|Section 27-18-16 - False statements in application.

§ 27-18-16. False statements in application.The falsity of any statement in the application for any policy covered by this chapter may not bar the right to recovery under the policy unless the false statement materially affected either the acceptance of the risk or the hazard assumed by the insurer.History of Section.P.L. 1956, ch. 3808, § 5; G.L. 1956, § 27-18-16.
RI Gen L § 27-18-17 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-18 - Accident and Sickness Insurance Policies|Section 27-18-17 - Acts not constituting waiver of insurer's defenses.

§ 27-18-17. Acts not constituting waiver of insurer's defenses.The acknowledgment by an insurer of the receipt of notice given under any policy covered by this chapter, the furnishing of forms for filing proofs of loss, or the acceptance of those proofs, or the investigation of any claim under the policy, shall not operate as a waiver of any of the rights of the insurer in defense of any claim arising under the policy.History of Section.P.L. 1956, ch. 3808, § 6; G.L. 1956, § 27-18-17.
RI Gen L § 27-18-18 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-18 - Accident and Sickness Insurance Policies|Section 27-18-18 - Acceptance of premiums after effective period of policy.

§ 27-18-18. Acceptance of premiums after effective period of policy.If a 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 the date falls within a period for which a premium is accepted by the insurer or if the insurer accepts a premium after the date, the coverage provided by the policy will continue in force subject to any right of cancellation 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 the 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.History of Section.P.L. 1956, ch. 3808, § 7; G.L. 1956, § 27-18-18.
RI Gen L § 27-18-19 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-18 - Accident and Sickness Insurance Policies|Section 27-18-19 - Insurance exempt from chapter.

§ 27-18-19. Insurance exempt from chapter.Nothing in the chapter shall apply to or affect:(1) Any policy of workers' compensation insurance or any policy of liability insurance with or without supplementary expense coverage in the policy;(2) Any policy or contract of reinsurance; or(3) [Deleted by P.L. 2017, ch. 196, § 4 and P.L. 2017, ch. 322, § 4].(4) Life insurance, endowment, or annuity contracts, or contracts supplemental to those contracts, which contain only those provisions relating to accident and sickness insurance as: (i) Provide additional benefits in case of death or dismemberment or loss of sight by accident, or (ii) Operate to safeguard those contracts against lapse, or to give a special surrender value or special benefit or an annuity in the event that the insured or annuitant shall become totally and permanently disabled, as defined by the contract or supplemental contract.History of Section.P.L. 1956, ch. 3808, § 8; G.L. 1956, § 27-18-19; P.L. 2017, ch. 196, § 4; P.L. 2017, ch. 322, § 4.
RI Gen L § 27-18-20 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-18 - Accident and Sickness Insurance Policies|Section 27-18-20 - Penalties for violations.

§ 27-18-20. Penalties for violations.Any person, partnership, or corporation willfully violating any provision of this chapter or order of the commissioner made in accordance with this chapter shall forfeit to the people of the state a sum not to exceed one hundred dollars ($100) for each violation, which may be recovered by a civil action. The commissioner may also suspend or revoke the license of an insurer or insurance producer for any of these willful violations.History of Section.P.L. 1956, ch. 3808, § 9; G.L. 1956, § 27-18-20.
RI Gen L § 27-18-21 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-18 - Accident and Sickness Insurance Policies|Section 27-18-21 - Appeals from commissioner.

§ 27-18-21. Appeals from commissioner.Any order or decision of the commissioner under this chapter shall be subject to appeal to the superior court at the instance of any party in interest. The filing of the appeal shall operate as a stay of the order or decision until the court directs otherwise. The court may review all of the facts and, in disposing of the issue before it, may modify, affirm, or reverse the order or decision of the commissioner in whole or in part. Any person aggrieved by the decision or decree of the superior court may appeal to the supreme court on questions of law. The appeal shall follow the course of equity. Pending the determination of the appeal, all orders or decisions or decrees of either the commissioner or the superior court shall be stayed until the supreme court directs otherwise.History of Section.P.L. 1956, ch. 3808, § 10; G.L. 1956, § 27-18-21.
RI Gen L § 27-18-22 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-18 - Accident and Sickness Insurance Policies|Section 27-18-22 - Effect on other law.

§ 27-18-22. Effect on other law.Nothing in this chapter shall be construed to repeal the provisions of chapter 13.1 of this title.History of Section.P.L. 1956, ch. 3808, § 12; G.L. 1956, § 27-18-22; P.L. 2002, ch. 292, § 35.
RI Gen L § 27-18-23 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-18 - Accident and Sickness Insurance Policies|Section 27-18-23 - Severability.

§ 27-18-23. Severability.If any provision of this chapter, or the application of a provision to any person or circumstances, is held invalid, the remainder of the chapter, and the application of the provision to persons or circumstances other than those as to which it is held invalid, shall not be affected by that invalidity.History of Section.P.L. 1956, ch. 3808, § 11; G.L. 1956, § 27-18-23.