reglab/housing_qa huggingface dataset:
ID Code § 41-6210 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 62 - IDAHO MOTOR VEHICLE SERVICE CONTRACT ACT|Section 41-6210 - GUARANTY.

41-6210. GUARANTY. The provisions of the Idaho insurance guaranty association act, chapter 36, title 41, Idaho Code, shall not apply to any motor vehicle service contract, mechanical breakdown insurance or motor vehicle service contract liability insurance policy, as defined in this chapter, and no claim under any motor vehicle service contract, mechanical breakdown insurance or motor vehicle service contract liability insurance policy shall be deemed to be a "covered claim" within the scope of section 41-3605(7), Idaho Code, as to which the Idaho insurance guaranty association has any obligation under section 41-3608, Idaho Code, or other provisions of chapter 36, title 41, Idaho Code.  History: [41-6210, added 2018, ch. 116, sec. 2, p. 246.]
ID Code § 41-6211 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 62 - IDAHO MOTOR VEHICLE SERVICE CONTRACT ACT|Section 41-6211 - ENFORCEMENT AND PENALTIES.

41-6211. ENFORCEMENT AND PENALTIES. (1) The director may conduct examinations of motor vehicle service contract providers, administrators, insurers or other persons to enforce the provisions of this chapter and to protect motor vehicle service contract holders in this state. Upon request of the director, the provider shall make available to the director all accounts, books and records concerning motor vehicle service contracts sold or issued by the provider that are necessary to enable the director to reasonably determine compliance or noncompliance with this chapter. (2) The following provisions of chapter 2, title 41, Idaho Code, generally addressing the director’s inquiry powers, orders and conduct of administrative proceedings apply to persons subject to this chapter: (a) Sections 41-210 through 41-215, Idaho Code; (b) Sections 41-220 through 41-223, 41-225, and 41-227, Idaho Code; and (c) Sections 41-229 through 41-240, and section 41-247, Idaho Code. (3) Any company that violates any provisions of this act may, in the director’s discretion, be subject to a civil penalty of one thousand dollars ($1,000) per violation, limited to a total of twenty-five thousand dollars ($25,000) in the aggregate for all like violations. (4) This act does not create a separate civil cause of action, but does not preclude a cause of action under the Idaho consumer protection act, chapter 6, title 48, Idaho Code, or any applicable common law or statutory causes of action.  History: [41-6211, added 2018, ch. 116, sec. 2, p. 246.]
ID Code § 41-6301 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 63 - OWN RISK AND SOLVENCY ASSESSMENT|Section 41-6301 - PURPOSE AND SCOPE.

41-6301. PURPOSE AND SCOPE. (1) The purpose of this chapter is to provide the requirements for maintaining a risk management framework and completing an own risk and solvency assessment (ORSA) and provide guidance and instructions for filing an ORSA summary report with the director of the state department of insurance. (2) The requirements of this chapter shall apply to all insurers domiciled in this state unless exempt pursuant to section 41-6306, Idaho Code. (3) The legislature finds and declares that the ORSA summary report will contain confidential and sensitive information related to an insurer’s or an insurance group’s identification of risks material and relevant to the insurer or insurance group filing the report. This information will include proprietary and trade secret information that has the potential for harm and competitive disadvantage to the insurer or insurance group if the information is made public. It is the intent of the legislature that the ORSA summary report shall be a confidential document filed with the director, that the ORSA summary report will be shared only as stated herein and to assist in the performance of the director’s duties, and that in no event shall the ORSA summary report be subject to public disclosure.  History: [41-6301, added 2017, ch. 75, sec. 1, p. 188.]
ID Code § 41-6302 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 63 - OWN RISK AND SOLVENCY ASSESSMENT|Section 41-6302 - DEFINITIONS.

41-6302. DEFINITIONS. For purposes of this chapter: (1) "Department" means the state department of insurance. (2) "Director" means the director of the state department of insurance. (3) "Insurance group" means, for the purpose of conducting an ORSA, those insurers and affiliates included within an insurance holding company system as defined in section 41-3802, Idaho Code. (4) "Insurer" has the same meaning as set forth in section 41-103, Idaho Code, and shall not include agencies, authorities or instrumentalities of the United States, its possessions and territories, the commonwealth of Puerto Rico, the District of Columbia, or a state or political subdivision of a state. For purposes of this chapter, the term "insurer" includes, but is not limited to: (a) An entity holding a certificate of authority under chapter 3, title 41, Idaho Code; (b) A service corporation holding a certificate of authority under chapter 34, title 41, Idaho Code; (c) A managed care organization holding a certificate of authority under chapter 39, title 41, Idaho Code; and (d) The state insurance fund created under chapter 9, title 72, Idaho Code. (5) "Own risk and solvency assessment" or "ORSA" means a confidential internal assessment, appropriate to the nature, scale and complexity of an insurer or insurance group, conducted by that insurer or insurance group of the material and relevant risks associated with the insurer’s or the insurance group’s current business plan, and the sufficiency of capital resources to support those risks. (6) "ORSA guidance manual" means the current version of the own risk and solvency assessment guidance manual developed and adopted by the national association of insurance commissioners (NAIC) and as amended from time to time and utilizing the version of the manual adopted by the director by rule, administrative order or bulletin. (7) "ORSA summary report" means a confidential high-level summary of an insurer’s or an insurance group’s ORSA.  History: [41-6302, added 2017, ch. 75, sec. 1, p. 188.]
ID Code § 41-6303 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 63 - OWN RISK AND SOLVENCY ASSESSMENT|Section 41-6303 - RISK MANAGEMENT FRAMEWORK.

41-6303. RISK MANAGEMENT FRAMEWORK. An insurer shall maintain a risk management framework to assist the insurer with identifying, assessing, monitoring, managing and reporting on its material and relevant risks. This requirement may be satisfied if the insurance group of which the insurer is a member maintains a risk management framework applicable to the operations of the insurer.  History: [41-6303, added 2017, ch. 75, sec. 1, p. 189.]
ID Code § 41-6304 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 63 - OWN RISK AND SOLVENCY ASSESSMENT|Section 41-6304 - ORSA REQUIREMENT.

41-6304. ORSA REQUIREMENT. Subject to section 41-6306, Idaho Code, an insurer, or the insurance group of which the insurer is a member, shall regularly conduct an ORSA consistent with a process comparable to the ORSA guidance manual. The ORSA shall be conducted no less than annually but also at any time when there are significant changes to the risk profile of the insurer or the insurance group of which the insurer is a member.  History: [41-6304, added 2017, ch. 75, sec. 1, p. 189.]
ID Code § 41-6305 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 63 - OWN RISK AND SOLVENCY ASSESSMENT|Section 41-6305 - ORSA SUMMARY REPORT.

41-6305. ORSA SUMMARY REPORT. (1) Upon the director’s request, and no more than once each year, an insurer shall submit to the director an ORSA summary report or any combination of reports that together contain the information described in the ORSA guidance manual, applicable to the insurer and/or the insurance group of which the insurer is a member. If the insurer is a member of an insurance group, the insurer shall submit the report(s) required by this subsection if the director is the lead state director of the insurance group as determined by the procedures within the financial analysis handbook adopted by the NAIC and as adopted by the director by rule, administrative order or bulletin. (2) The report(s) shall include a signature of the insurer’s or the insurance group’s chief risk officer or other executive having responsibility for the oversight of the insurer’s enterprise risk management process attesting to the best of the officer’s or executive’s belief and knowledge that the insurer applies the enterprise risk management process described in the ORSA summary report and that a copy of the report has been provided to the insurer’s board of directors or the appropriate committee thereof. (3) An insurer may comply with subsection (1) of this section by providing the most recent and substantially similar report(s) provided by the insurer or another member of an insurance group of which the insurer is a member to the director or commissioner of another state or to a supervisor or regulator of a foreign jurisdiction if that report provides information that is comparable to the information described in the ORSA guidance manual. Any such report in a language other than English must be accompanied by a translation of that report into the English language.  History: [41-6305, added 2017, ch. 75, sec. 1, p. 189.]
ID Code § 41-6307 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 63 - OWN RISK AND SOLVENCY ASSESSMENT|Section 41-6307 - CONTENTS OF ORSA SUMMARY REPORT.

41-6307. CONTENTS OF ORSA SUMMARY REPORT. (1) The ORSA summary report shall be prepared consistent with the ORSA guidance manual, subject to the requirements of subsection (2) of this section. Documentation and supporting information shall be maintained and made available upon examination or upon request of the director. (2) The review of the ORSA summary report, and any additional requests for information, shall be made using similar procedures currently used in the analysis and examination of multistate or global insurers and insurance groups.  History: [41-6307, added 2017, ch. 75, sec. 1, p. 191.]
ID Code § 41-6401 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 64 - CORPORATE GOVERNANCE ANNUAL DISCLOSURE|Section 41-6401 - PURPOSE AND SCOPE.

41-6401. PURPOSE AND SCOPE. (1) The purpose and scope of this chapter are to: (a) Provide the insurance director a summary of an insurer or insurance group’s corporate governance structure, policies and practices to permit the director to gain and maintain an understanding of the insurer’s corporate governance framework; (b) Outline the requirements for completing a corporate governance annual disclosure with the insurance director; and (c) Provide for the confidential treatment of the corporate governance annual disclosure and related information that will contain confidential and sensitive information related to an insurer or insurance group’s internal operations and proprietary and trade secret information that, if made public, could potentially cause the insurer or insurance group competitive harm or disadvantage. (2) Nothing in this chapter shall be construed to prescribe or impose corporate governance standards and internal procedures beyond that which is required under applicable state corporate law. Nothing in this chapter shall be construed to limit the director’s authority, or the rights or obligations of third parties, under applicable examination authority including, but not limited to, sections 41-219 and 41-3814, Idaho Code.  (3) The requirements of this chapter shall apply to all insurers domiciled in this state.  History: [41-6401, added 2017, ch. 77, sec. 1, p. 209.]
ID Code § 41-6402 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 64 - CORPORATE GOVERNANCE ANNUAL DISCLOSURE|Section 41-6402 - DEFINITIONS.

41-6402. DEFINITIONS. As used in this chapter: (1) "Corporate governance annual disclosure" or "CGAD" means a confidential report filed by the insurer or insurance group made in accordance with the requirements of this chapter. (2) "Insurance group" means those insurers and affiliates included within an insurance holding company system as that term is defined in chapter 38, title 41, Idaho Code. (3) "Insurer" has the same meaning as set forth in section 41-103, Idaho Code, and it shall not include agencies, authorities or instrumentalities of the United States, its possessions and territories, the commonwealth of Puerto Rico, the District of Columbia, or a state or political subdivision of a state. For purposes of this chapter, the term "insurer" includes, but is not limited to: (a) An entity holding a certificate of authority under chapter 3, title 41, Idaho Code; (b) A service corporation holding a certificate of authority under chapter 34, title 41, Idaho Code;  (c) A managed care organization holding a certificate of authority under chapter 39, title 41, Idaho Code; and (d) The state insurance fund, created under chapter 9, title 72, Idaho Code.  History: [41-6402, added 2017, ch. 77, sec. 1, p. 209.]
ID Code § 41-6404 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 64 - CORPORATE GOVERNANCE ANNUAL DISCLOSURE|Section 41-6404 - CONTENTS OF CORPORATE GOVERNANCE ANNUAL DISCLOSURE.

41-6404. CONTENTS OF CORPORATE GOVERNANCE ANNUAL DISCLOSURE. (1) The insurer or insurance group shall have discretion over the responses to the CGAD inquiries, provided the CGAD shall contain the material information necessary to permit the director to gain an understanding of the insurer’s or group’s corporate governance structure, policies and practices including, without limitation, information concerning policies and practices of the board of directors, the senior governing entity and significant committees thereof, the policies and practices for directing senior management, and the processes by which the board of directors, the senior governing entity, its committees and senior management ensure an appropriate amount of oversight to the critical risk areas impacting the insurer’s business activities. The director may request additional information that the director deems material and necessary to provide the director with a clear understanding of the corporate governance policies, the reporting or information system, or the controls implementing those policies. (2) The CGAD shall be prepared consistent with any rules promulgated by the director. Documentation and supporting information shall be maintained and made available upon examination or upon request of the director. (3) Each year following the initial filing of the CGAD, the insurer or insurance group shall file an amended version of the previously filed CGAD indicating where changes have been made. If no changes were made in the information or activities reported by the insurer or insurance group, the filing should so state.  History: [41-6404, added 2017, ch. 77, sec. 1, p. 210.]
ID Code § 41-6406 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 64 - CORPORATE GOVERNANCE ANNUAL DISCLOSURE|Section 41-6406 - NAIC AND THIRD-PARTY CONSULTANTS.

41-6406. NAIC AND THIRD-PARTY CONSULTANTS. (1) The director may retain third-party consultants not otherwise part of the director’s staff as may be reasonably necessary to assist the director in reviewing the CGAD and related information or the insurer’s compliance with this chapter. (2) Any persons retained under subsection (1) of this section shall be under the direction and control of the director and shall act in a purely advisory capacity. (3) The NAIC and third-party consultants shall be subject to the same confidentiality standards and requirements as the director. (4) As part of the retention process, a third-party consultant shall verify to the director, with notice to the insurer, that it is free of a conflict of interest and that it has internal procedures in place to monitor compliance with a conflict and to comply with the confidentiality standards and requirements of this chapter. (5) A written agreement with the NAIC and/or a third-party consultant governing sharing and use of information provided pursuant to this chapter shall contain the following provisions and expressly require the written consent of the insurer prior to making public information provided under this chapter: (a) Specific procedures and protocols for maintaining the confidentiality and security of CGAD-related information shared with the NAIC or a third-party consultant pursuant to this chapter; (b) Procedures and protocols for sharing by the NAIC only with other state regulators from states in which the insurance group has domiciled insurers. The agreement shall provide that the recipient agrees in writing to maintain the confidentiality and privileged status of the CGAD-related documents, materials or other information and has verified in writing the legal authority to maintain confidentiality; (c) A provision specifying that ownership of the CGAD-related information shared with the NAIC or a third-party consultant remains with the department of insurance and the NAIC’s or third-party consultant’s use of the information is subject to the direction of the director; (d) A provision that prohibits the NAIC or a third-party consultant from storing the information shared pursuant to this chapter in a permanent database after the underlying analysis is completed; (e) A provision requiring the NAIC or third-party consultant to provide prompt notice to the director and to the insurer or insurance group regarding any subpoena, request for disclosure or request for production of the insurer’s CGAD-related information; and (f) A requirement that the NAIC or a third-party consultant consent to intervention by an insurer in any judicial or administrative action in which the NAIC or a third-party consultant may be required to disclose confidential information about the insurer shared with the NAIC or a third-party consultant pursuant to this chapter.  History: [41-6406, added 2017, ch. 77, sec. 1, p. 212.]
ID Code § 41-6501 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 65 - COVERAGE FOR PARTICIPANTS IN CLINICAL TRIALS|Section 41-6501 - “ROUTINE PATIENT CARE COSTS” DEFINED.

41-6501. "ROUTINE PATIENT CARE COSTS" DEFINED. "Routine patient care costs" means the costs of any medically necessary health care service for which benefits are provided under a health benefit plan, without regard to whether the enrollee is participating in a clinical trial. Routine patient care costs do not include the cost: (1) Of an investigational new drug or device that is not approved for any indication by the United States food and drug administration; (2) Of a service that is not a health care service, regardless of whether the service is required in connection with participation in a clinical trial; (3) Of a service that is inconsistent with widely accepted and established standards of care for a particular diagnosis; (4) Associated with managing a clinical trial; or (5) Of a health care service that is specifically excluded from coverage under a health benefit plan.  History: [41-6501, added 2019, ch. 192, sec. 1, p. 604.]
ID Code § 41-6502 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 65 - COVERAGE FOR PARTICIPANTS IN CLINICAL TRIALS|Section 41-6502 - REQUIRED COVERAGE.

41-6502. REQUIRED COVERAGE. The issuer of a health benefit plan shall provide benefits for routine patient care costs to an enrollee in connection with an approved clinical trial. For purposes of this chapter, "approved clinical trial" means a phase I, phase II, phase III, or phase IV clinical trial that is conducted in relation to the prevention, detection, or treatment of a disease or condition and: (1) The study or investigation is approved or funded, which may include funding through in-kind contributions, by one (1) or more of the following: (a) The national institutes of health; (b) The centers for disease control and prevention; (c) The agency for healthcare research and quality; (d) The centers for medicare and medicaid services; (e) A cooperative group or center of any of the entities through the department of defense or the department of veterans affairs; or (f) A qualified nongovernmental research entity identified in the guidelines issued by the national institutes of health for center support grants; (2) The study or investigation is conducted under an investigational new drug application reviewed by the food and drug administration; (3) The study or investigation is not a new drug trial and therefore exempt from having such an investigational new drug application by the food and drug administration; or (4) The study or investigation has been reviewed and approved by an institutional review board of an institution that has an agreement with the office for human research protections of the United States department of health and human services.  History: [41-6502, added 2019, ch. 192, sec. 1, p. 604.]
ID Code § 41-6503 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 65 - COVERAGE FOR PARTICIPANTS IN CLINICAL TRIALS|Section 41-6503 - RESEARCH INSTITUTIONS.

41-6503. RESEARCH INSTITUTIONS. The issuer of a health benefit plan is not required to: (1) Reimburse a research institution conducting a clinical trial for the cost of routine patient care provided through the research institution unless the research institution, and each health care professional providing routine patient care through the research institution, agrees to accept reimbursement under the health benefit plan at the rates established under the plan as payment in full for the routine patient care provided in connection with the clinical trial; or (2) Provide benefits under this section for services that are customarily paid for by the research institution conducting the clinical trial in accordance with centers for medicare and medicaid services billing guidelines.  History: [41-6503, added 2019, ch. 192, sec. 1, p. 605.]
ID Code § 41-6504 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 65 - COVERAGE FOR PARTICIPANTS IN CLINICAL TRIALS|Section 41-6504 - LIMITATIONS ON COVERAGE.

41-6504. LIMITATIONS ON COVERAGE. The issuer of a health benefit plan is not required to provide benefits for routine patient care services provided outside: (1) Of the plan’s health care provider network, unless out-of-network benefits are otherwise provided under the plan; or (2) This state, unless the health benefit plan otherwise provides benefits for health care services provided outside this state.  History: [41-6504, added 2019, ch. 192, sec. 1, p. 605.]
ID Code § 41-6505 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 65 - COVERAGE FOR PARTICIPANTS IN CLINICAL TRIALS|Section 41-6505 - INSURER LIABILITY.

41-6505. INSURER LIABILITY. An insurer that provides coverage required by this chapter is not, based on that coverage, liable for any adverse effects of the approved clinical trial.  History: [41-6505, added 2019, ch. 192, sec. 1, p. 605.]
ID Code § 41-6506 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 65 - COVERAGE FOR PARTICIPANTS IN CLINICAL TRIALS|Section 41-6506 - DEDUCTIBLE, COINSURANCE, AND COPAYMENT REQUIREMENTS.

41-6506. DEDUCTIBLE, COINSURANCE, AND COPAYMENT REQUIREMENTS. Benefits may be made subject to a deductible, coinsurance, or copayment requirement comparable to other deductible, coinsurance, or copayment requirements applicable under the health benefit plan.  History: [41-6506, added 2019, ch. 192, sec. 1, p. 605.]
ID Code § 41-6507 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 65 - COVERAGE FOR PARTICIPANTS IN CLINICAL TRIALS|Section 41-6507 - CANCELLATION OR NONRENEWAL PROHIBITED.

41-6507. CANCELLATION OR NONRENEWAL PROHIBITED. The issuer of a health benefit plan may not cancel or refuse to renew coverage under a plan solely because an enrollee in the plan participates in a clinical trial.  History: [41-6507, added 2019, ch. 192, sec. 1, p. 605.]