reglab/housing_qa huggingface dataset:
18 DE Code § 3410. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 34. Medicare Supplement Insurance Minimum Standards|§ 3410. Coverage for persons eligible for Medicare due to disability.

§ 3410. Coverage for persons eligible for Medicare due to disability. (a) Each Medicare supplement policy or applicable certificate that an issuer currently, or at any time hereafter, makes available in this State shall be made available to any applicant under the age of 65 who is eligible for Medicare due to a disability, including, without limitation, end-stage renal disease, provided that the applicant submits his or her application during the first 6 months immediately following such applicant's enrollment in Part B of Medicare or by January 15, 2014, whichever is later. The issuance or effectiveness of any Medicare supplement policy pursuant to this section shall not be conditioned on, nor shall the price of the policy be discriminatory based upon, the medical or health status or receipt of health care by the applicant; and no insurer shall perform individual medical underwriting on any applicant in connection with the issuance of a policy pursuant to this section. (b) Premium rates for Medicare supplement policies and certificates issued pursuant to this section may differ between persons who qualify for Medicare who are 65 years of age or older and those who qualify for Medicare by reason of disability or end-stage renal disease and who are younger than 65 years of age. For those Medicare supplement policies and certificates that are issued to persons who are younger than 65 years of age and who qualify for Medicare by reason of disability or end-stage renal disease, insurers shall establish 2 separate rating pools for such persons, 1 pool specifically for end-stage renal disease and a separate pool for all other disabilities. For purposes of this section, any differences in premium rates shall be pursuant to rate schedules that are based on sound actuarial principles and shall be reasonable in relation to the benefits provided. (c) Medicare supplement policies issued pursuant to this section shall be separately underwritten from other Medicare supplement policies, and risks assumed by issuers pursuant to subsection (a) of this section shall not be subsidized by purchasers of Medicare supplement policies that were not issued pursuant to subsection (a) of this section. 79 Del. Laws, c. 101, §  1;  70 Del. Laws, c. 186, §  1;
18 DE Code § 3601. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 36. Individual Health Insurance Minimum Standards|§ 3601. Purpose and scope.

§ 3601. Purpose and scope. (a) The purpose of this chapter shall be to provide reasonable standardization and simplification of terms and coverages of individual health insurance policies and subscriber contracts of health service corporations to facilitate public understanding and comparison, to eliminate provisions contained in individual health insurance policies and subscriber contracts of health service corporations which may be misleading or unreasonably 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 health insurance coverages. Additionally, the purpose of this chapter is to promote the availability of health insurance coverage to recently uninsured individuals, regardless of their health status or claims experience, and to improve the overall fairness and efficiency of the individual health insurance market. (b) This chapter notwithstanding, Medicare supplement coverage shall be governed by Chapter 34, Medicare Supplement Insurance Minimum Standards, of this title. 64 Del. Laws, c. 142, §  1;  71 Del. Laws, c. 143, §  1;
18 DE Code § 3603. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 36. Individual Health Insurance Minimum Standards|§ 3603. Standards for policy provisions.

§ 3603. Standards for policy provisions. (a) The Commissioner shall issue reasonable regulations 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 health insurance and subscriber contracts of health service corporations, other than conversion policies issued pursuant to a contractual conversion privilege under a group or individual policy of health insurance, when such group or individual contract contains provisions which are inconsistent with the requirements of this chapter or any regulation issued pursuant to this chapter, or to policies being issued to employees or members being added to franchise plans in existence on January 12, 1984, or any regulation issued pursuant to this chapter which shall be in addition to and in accordance with applicable laws of this State including the applicable statutory provisions set forth in §§ 3303-3336 of this title which 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 the following: Hospital, accident, sickness, injury, physician, accidental means, total disability, partial disability, nervous disorder, guaranteed renewable and noncancellable. (b) Subsection (a) of this section authorizes the Commissioner to establish specific standards for policy provisions which will facilitate public understanding of such provisions. The subsection does not alter the requirements of §§ 3303-3336 (Uniform Health Policy Provisions Law), or other specifically applicable state laws dealing with individual policy provisions. Regulations adopted under the subsection should be consistent with §§ 3303-3336, and other applicable state laws relating to the subject matter. (c) The Commissioner may issue reasonable regulations that specify prohibited policies or policy provisions not otherwise specifically authorized by statute which in the opinion of the Commissioner, are unjust, unfair or unfairly discriminatory to the policyholder, any person insured under the policy or beneficiary. 64 Del. Laws, c. 142, §  1;
18 DE Code § 3604. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 36. Individual Health Insurance Minimum Standards|§ 3604. Minimum standards for benefits.

§ 3604. Minimum standards for benefits. (a) The Commissioner may issue regulations to establish minimum standards for benefits under each of the following categories of coverage in individual policies, other than conversion policies issued pursuant to a contractual conversion privilege under group or individual policy, when such group or individual contract contains provisions which are inconsistent with the requirements of this chapter or any regulation issued pursuant to this chapter or to policies being issued to employees or members being added to franchise plans in existence on January 12, 1984, or any regulation issued pursuant to this chapter, of health insurance and subscriber contracts of health 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; (7) Specified disease or specified accident coverage; and (8) Limited benefit health coverage. (b) Nothing in this section shall preclude the issuance of any policy or contract which combines 2 or more of the categories of coverage enumerated in paragraphs (a)(1)-(6) of this section. (c) No policy or 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 paragraphs (a)(1)-(8) of this section, or which does not meet the other applicable requirements for such coverages as prescribed by this title. (d) The Commissioner shall prescribe the method of identification of policies and contracts based upon coverages provided. 64 Del. Laws, c. 142, §  1;
18 DE Code § 3605. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 36. Individual Health Insurance Minimum Standards|§ 3605. Disclosure requirements.

§ 3605. Disclosure requirements. (a) In order to provide for full and fair disclosure in the sale of individual health insurance policies or subscriber contracts of a health service corporation, no such policy or contract shall be delivered or issued for delivery in this State unless the outline of coverage described in subsection (b) of this section either accompanies the policy or is delivered to the applicant at the time the application is made and an acknowledgement of receipt or certificate of delivery of such outlines is provided the insurer. In the event the policy is issued on a basis other than that applied for, the outline of coverage properly describing the policy or contract must accompany the policy or contract when it is not the policy or contract for which application was made. (b) The Commissioner shall prescribe by regulation 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 contract as prescribed in § 3604 of this title; (2) A description of the principal benefits and coverage provided in the policy or contract; (3) A statement of the exceptions, reductions and limitations contained in the policy or contract; (4) A statement of the renewal provisions including any reservation by the insurer or health service corporation of a right to change premiums; (5) A statement that the outline is a summary of the policy or contract issued or applied for and that the policy or contract should be consulted to determine governing contractual provisions. (c) The outline of coverage shall not be considered to be part of the policy or subscriber contract for insurance. (d) Every insurer or health service corporation electing to refuse coverage of an applicant or decline coverage of an insured who is not included within the coverage of Chapter 23 of Title 19 shall disclose to such applicant or insured in writing the fact of such noncoverage or declination of coverage. Any insurer or health insurer failing to disclose in writing such noncoverage or declination of coverage shall be deemed to cover the applicant or insured under the health insurance policy then in effect. 64 Del. Laws, c. 142, §  1;  64 Del. Laws, c. 378, §  1;
18 DE Code § 3606. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 36. Individual Health Insurance Minimum Standards|§ 3606. Preexisting conditions [For application of this section, see 79 Del. Laws, c. 99, § 19].

§ 3606. Preexisting conditions [For application of this section, see 79 Del. Laws, c. 99, § 19]. (a) Notwithstanding § 3306 of this title, a policy or contract must not deny, exclude, or limit benefits for a covered individual for losses due to a preexisting condition, and the policy or contract must not include wording that would permit a defense based upon preexisting conditions. (b) Notwithstanding subsection (a) of this section and § 3306 of this title, an insurer or a health service corporation which issues a specified disease policy, regardless of whether such policy is issued on the basis of a detailed application form, a simplified application for or an enrollment form, may not deny a claim for any covered loss that begins after the policy has been in force. Except for rescission for misrepresentation, no other defenses based upon preexisting conditions are permitted. 64 Del. Laws, c. 142, §  1;  79 Del. Laws, c. 99, §  11;  82 Del. Laws, c. 186, § 9;
18 DE Code § 3609. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 36. Individual Health Insurance Minimum Standards|§ 3609. Nondiscrimination in health care [For application of this section, see 79 Del. Laws, c. 99, § 19].

§ 3609. Nondiscrimination in health care [For application of this section, see 79 Del. Laws, c. 99, § 19]. (a) Providers. — A health insurer offering individual health insurance coverage shall not discriminate with respect to participation under the coverage against any health-care provider who is acting within the scope of that provider's license or certification under applicable state law. This section shall not require that a health insurer contract with any health-care provider willing to abide by the terms and conditions for participation established by the insurer. Nothing in this section shall be construed as preventing a health insurer or the Commissioner from establishing varying reimbursement rates based on quality or performance measures. (b) Individuals. — The provisions of § 1557 of the Patient Protection and Affordable Care Act (relating to nondiscrimination) [42 U.S.C. § 18116], as the law and its implementing regulations were in effect on January 1, 2018, apply with respect to a health insurer offering individual health insurance coverage. 79 Del. Laws, c. 99, §  13;  82 Del. Laws, c. 186, § 11;
18 DE Code § 3610. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 36. Individual Health Insurance Minimum Standards|§ 3610. Comprehensive health insurance coverage [For application of this section, see 79 Del. Laws, c. 99, § 19].

§ 3610. Comprehensive health insurance coverage [For application of this section, see 79 Del. Laws, c. 99, § 19]. (a) Coverage for essential health benefits package. — A health insurer that offers health insurance coverage in the individual market shall ensure that such coverage includes the essential health benefits package in conformity with § 1302 of the Patient Protection and Affordable Care Act [42 U.S.C. § 18022], as the law and its implementing regulations were in effect on January 1, 2018, and state law. The Commissioner shall issue a regulation setting forth what constitutes “essential health benefits” for purposes of this section. (b) Cost-sharing under individual health insurance policies. — An individual health insurance policy shall ensure that any annual cost-sharing imposed under the plan does not exceed the limitations provided for under § 1302(c)(1) of the Patient Protection and Affordable Care Act [42 U.S.C. § 18022(c)(1)], as the law and its implementing regulations were in effect on January 1, 2018, and state law. (c) Child-only plans. — If a health insurer offers health insurance coverage in any level of coverage specified under § 1302(d) of the Patient Protection and Affordable Care Act [42 U.S.C. § 18022(d)], as the law and its implementing regulations were in effect on January 1, 2018, or state law, the health insurer shall also offer such coverage in that level as a plan in which the only enrollees are individuals who, as of the beginning of the plan year, are under age 21. (d) Dental only. — This section does not apply to a plan described in § 1311(d)(2)(B)(ii) of the Patient Protection and Affordable Care Act [42 U.S.C. § 18031(d)(2)(B)(ii)], as the law and its implementing regulations were in effect on January 1, 2018.79 Del. Laws, c. 99, §  13;  81 Del. Laws, c. 79, § 31;  82 Del. Laws, c. 186, § 12;
18 DE Code § 3611. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 36. Individual Health Insurance Minimum Standards|§ 3611. Prohibiting discrimination against individual participants and beneficiaries based on health status [For application of this section, see 79 Del. Laws, c. 99, § 19].

§ 3611. Prohibiting discrimination against individual participants and beneficiaries based on health status [For application of this section, see 79 Del. Laws, c. 99, § 19].  In general. — A health insurer offering individual health insurance coverage may not establish rules for eligibility (including continued eligibility) of any individual to enroll under the terms of the coverage based on any of the following health status-related factors in relation to the individual or a dependent of the individual:  (1) Health status. (2) Medical condition (including both physical and mental illnesses). (3) Claims experience. (4) Receipt of health care. (5) Medical history. (6) Genetic information. (7) Evidence of insurability (including conditions arising out of acts of domestic violence). (8) Disability. (9) Any other health status-related factor determined appropriate by the Commissioner.79 Del. Laws, c. 99, §  13;
18 DE Code § 3612. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 36. Individual Health Insurance Minimum Standards|§ 3612. Insurance offered through the state health insurance exchange [For application of this section, see 79 Del. Laws, c. 99, § 19].

§ 3612. Insurance offered through the state health insurance exchange [For application of this section, see 79 Del. Laws, c. 99, § 19]. (a) A health insurer that offers health insurance coverage in the individual market through the state health insurance exchange program established pursuant to the Patient Protection and Affordable Care Act [P.L. 111-148] shall first satisfy all certification standards required by federal and state law, and the health insurer shall offer only those policies that are “qualified health plans” as required by federal and state law. (b) The Commissioner shall adopt regulations, in accordance with the Administrative Procedures Act [Chapter 101 of Title 29], that set forth the certification and compliance standards and requirements for health insurers operating within the state health exchange. 79 Del. Laws, c. 99, §  13;
18 DE Code § 3701. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 37. Delaware Consumer Credit Insurance Model Act|§ 3701. Purpose.

§ 3701. Purpose. The purpose of this chapter is to promote the public welfare by regulating consumer credit insurance. Nothing in this chapter is intended to prohibit or discourage reasonable competition. The provisions of this chapter shall be liberally construed. 70 Del. Laws, c. 576, §  1;
18 DE Code § 3703. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 37. Delaware Consumer Credit Insurance Model Act|§ 3703. Types of consumer credit insurance.

§ 3703. Types of consumer credit insurance. The types of consumer credit insurance defined in § 3702 of this title may be written separately or in combination with other types of consumer credit insurance on an individual policy or group policy basis. 70 Del. Laws, c. 576, §  1;
18 DE Code § 3704. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 37. Delaware Consumer Credit Insurance Model Act|§ 3704. Amount of consumer credit insurance.

§ 3704. Amount of consumer credit insurance. (a) Credit life insurance. — (1) The initial amount of credit life insurance shall not exceed the total amount repayable under the credit transaction, which is the gross debt. (2) In cases where an indebtedness is repayable in substantially equal installments, the amount of insurance shall at no time exceed the scheduled or actual amount of unpaid indebtedness, whichever is greater. (3) Notwithstanding paragraph (a)(1) or (2) of this section, insurance on agricultural credit transactions not exceeding 2 years in duration may be written up to the amount of the loan commitment on a nondecreasing or level term plan. (4) Notwithstanding paragraphs (a)(1) and (2) of this section, or any other subsection, insurance on educational credit transaction commitments may be written for the amount of the portion of such commitment that has not been advanced by the creditor. (b) Credit accident and health insurance. — (1) The total amount of periodic indemnity payable by credit accident and health insurance in the event of disability as defined in the policy shall not exceed the aggregate of the periodic scheduled unpaid installments of the gross debt and the amount of each periodic indemnity payment shall not exceed the original gross debt divided by the number of periodic installments. (2) Notwithstanding paragraph (b)(1) of this section, for credit accident and health insurance written in connection with an open-end credit agreement, the amount of insurance shall not exceed the gross debt which would accrue on that amount using the periodic indemnity. Subject to any policy maximums, the periodic indemnity must not be less than the creditor's minimum repayment schedule.70 Del. Laws, c. 576, §  1;
18 DE Code § 3708. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 37. Delaware Consumer Credit Insurance Model Act|§ 3708. Premiums and refunds.

§ 3708. Premiums and refunds. (a) Any insurer may revise its schedules of premium rates from time to time and shall file the revised schedules with the Commissioner. No insurer shall issue any consumer credit insurance policy for which the premium rate exceeds that determined by the schedules of the insurer as then on file with the Commissioner. The Commissioner shall have the authority to promulgate regulations to assure that the premium rates are reasonable in relation to the benefits provided. In determining whether the premium rates are reasonable in relation to the benefits provided, the Commissioner shall consider and provide for: actual and expected loss experience, general and administrative expenses, loss settlement and adjustment expenses, reasonable creditor compensation, investment income, the manner in which premiums are charged and other acquisition costs, reserves, taxes, regulatory license fees and fund assessments, reasonable insurer profit and other relevant data, consistent with generally accepted actuarial standards. (b) Each individual policy or group certificate shall provide for a refund in the event of termination of the insurance prior to the scheduled maturity date of the insurance and upon notice to the insurer. The refund of an amount paid by the debtor for insurance shall be paid or credited promptly to the person entitled thereto; provided however, that the Commissioner shall prescribe a minimum refund and no refund which would be less than such minimum need be made. The formula to be used in computing such refund shall be filed with and approved by the Commissioner. (c) If a creditor requires a debtor to make any payment for consumer credit insurance and an individual policy or group certificate of insurance is not issued, the creditor shall immediately give written notice to the debtor and shall promptly make an appropriate credit to the account or issue a refund. (d) The amount charged to a debtor for any consumer credit insurance shall not exceed the premiums charged by the insurer, as computed at the time the charge to the debtor is determined. (e) The insurance premium or other identifiable charge for credit life or credit accident and health insurance may be collected from the insured or included in the principal of any loan or other transaction at the time such transaction is completed. (f) The premium or cost of credit life or credit accident and health insurance when issued through any creditor shall not be deemed interest or charges, consideration or an amount in excess of permitted charges in connection with the loan or other credit transaction, and any gain or advantage to the creditor arising out of the premium or commission or dividend from the issuance of such insurance shall not be deemed a violation of any other law, general or special, civil or criminal, of the State. 70 Del. Laws, c. 576, §  1;
18 DE Code § 3709. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 37. Delaware Consumer Credit Insurance Model Act|§ 3709. Issuance of policies.

§ 3709. Issuance of policies. All policies of consumer credit insurance shall be delivered or issued for delivery in this State only by an insurer authorized to engage in the business of insurance therein and shall be issued only through holders of licenses or authorizations issued by the Commissioner. 70 Del. Laws, c. 576, §  1;