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2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1262 - Right to require evidence of individual insurability

20-1262.
Right to require evidence of individual insurability
In group life policies there shall be a provision setting forth the conditions,  if any,  under which the insurer reserves the right to require a person eligible for insurance to furnish evidence of individual insurability satisfactory to the insurer as a condition to part or all of his coverage.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1263 - Misstatement of age

20-1263.
Misstatement of age
In group life policies there shall be a provision specifying an equitable adjustment of premiums or of benefits or of both to be made in the event the age of a person insured has been misstated,  and such provision shall contain a clear statement of the method of adjustment to be used.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1264 - Beneficiary

20-1264.
Beneficiary
In group life policies there shall be a provision that any sum becoming due by reason of the death of the person insured shall be payable to the beneficiary designated by the person insured,  subject to the provisions of the policy in the event there is no designated beneficiary,  as to all or any part of such sum,  living at the death of the person insured,  and subject to any right reserved by the insurer in the policy and set forth in the certificate to pay at its option a part of such sum not exceeding two hundred fifty dollars to any person appearing to the insurer to be equitably entitled thereto by reason of having incurred funeral or other expenses incident to the last illness or death of the person insured.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1265 - Individual certificates

20-1265.
Individual certificates
In group life policies there shall be a provision that the insurer will issue to the policyholder for delivery to each person insured an individual certificate setting forth a statement as to the insurance protection to which he is entitled,  to whom the insurance benefits are payable,  and the rights and conditions set forth in sections 20-1266,  20-1267 and 20-1268.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1266 - Conversion on termination of eligibility

20-1266.
Conversion on termination of eligibility
In group life policies there shall be a provision that if the insurance,  or any portion of it,  on a person covered under the policy ceases because of termination of employment or of membership in the class or classes eligible for coverage under the policy,  such person shall be entitled to have issued to him by the insurer,  without evidence of insurability,  an individual policy of life insurance without disability or other supplementary benefits,  provided that application for the individual policy has been made,  and the first premium paid to the insurer,  within thirty-one days after the termination,  and provided further that:
1. The individual policy,  at the option of such person,  is on any one of the forms,  except term insurance,  then customarily issued by the insurer at the age and for the amount applied for.
2. The individual policy is in an amount not in excess of the amount of life insurance which ceases because of the termination,  less,  in the case of a person whose membership in the class or classes eligible for coverage terminates but who continues in employment in another class,  the amount of any life insurance for which the person is or becomes eligible under any other group policy within thirty-one days after the termination,  provided that any amount of insurance which has matured on or before the date of the termination as an endowment payable to the person insured,  whether in one sum or in installments or in the form of an annuity,  shall not,  for the purposes of this provision,  be included in the amount which is considered to cease because of the termination.
3. The premium on the individual policy is at the insurer's then customary rate applicable to the form and amount of the individual policy,  to the class of risk to which the person then belongs,  and to his age attained on the effective date of the individual policy.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1267 - Conversion on termination of policy

20-1267.
Conversion on termination of policy
In group life policies there shall be a provision that if the group policy terminates or is amended so as to terminate the insurance of any class of insured persons,  each person insured thereunder at the date of termination whose insurance terminates and who has been so insured for at least five years prior to the termination date shall be entitled to have issued to him by the insurer an individual policy of life insurance,  subject to the same conditions and limitations as are provided by section 20-1266,  except that the group policy may provide that the amount of the individual policy shall not exceed the smaller of the amount of the person's life insurance protection ceasing because of the termination or amendment of the group policy,  less the amount of any life insurance for which he is or becomes eligible under any group policy issued or reinstated by the same or another insurer within thirty-one days after such termination,  and two thousand dollars.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1268 - Death pending conversion

20-1268.
Death pending conversion
In group life policies there shall be a provision that if a person insured under the group policy dies during the period within which he would have been entitled to have an individual policy issued to him in accordance with sections 20-1266 or 20-1267 and before such an individual policy becomes effective,  the amount of life insurance which he would have been entitled to have issued to him under such individual policy shall be payable as a claim under the group policy,  whether or not application for the individual policy or the payment of the first premium therefor has been made.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1269 - Notice of conversion right

20-1269.
Notice of conversion right
If any individual insured under a group life insurance policy delivered after January 1,  1955 in this state becomes entitled under the terms of the policy to have an individual policy of life insurance issued to him without evidence of insurability,  subject to the making of application and payment of the first premium within a period specified in the policy,  and if the individual is not given notice of the existence of such right at least fifteen days prior to the expiration date of such period,  then notwithstanding the terms of the policy the individual shall have an additional period within which to exercise the right. The additional period shall expire fifteen days next after the individual is given such notice,  but in no event shall the additional period extend beyond sixty days next after the expiration date of the period provided in the policy. Written notice presented to the individual or mailed by the policyholder to the last known address of the individual or mailed by the insurer to the last known address of the individual as furnished by the policyholder shall constitute notice for the purpose of this section,  and nothing contained in this section shall be construed to continue any insurance beyond the period provided in the policy.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1270 - Standard provisions required in group annuity contracts

20-1270.
Standard provisions required in group annuity contracts
No group annuity contract shall be delivered or issued for delivery in this state and no certificate shall be used in connection therewith unless it contains in substance the provisions set forth in sections 20-1271 to 20-1275,  inclusive,  to the extent that such provisions are applicable to the contract or to the certificate,  as the case may be,  or provisions which in the opinion of the director are more favorable to annuitants,  or not less favorable to annuitants and more favorable to the holders.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1271 - Grace period in group annuity contracts

20-1271.
Grace period in group annuity contracts
In group annuity contracts there shall be a provision that there shall be a period of grace,  either of thirty days or of one month,  within which any stipulated payment to be remitted by the holder to the insurer,  falling due after one year from date of issue,  may be made,  subject,  at the option of the insurer,  to an interest charge thereon at a rate to be specified in the contract,  which shall not exceed six per cent per annum for the number of days of grace elapsing before such payment.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1272 - Documents constituting entire group annuity contract

20-1272.
Documents constituting entire group annuity contract
In group annuity contracts there shall be a provision specifying the document or documents which shall constitute the entire contract between the parties. The document or documents so specified shall be only:
1. The contract.
2. The contract together with the application of the holder of which a copy is attached thereto.
3. The contract together with the application of the holder of which a copy is attached thereto and the individual applications of annuitants on file with the insurer and referred to therein.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1273 - Misstatements in group annuity contracts

20-1273.
Misstatements in group annuity contracts
In group annuity contracts there shall be a provision,  with an appropriate reference thereto in the certificate,  for the equitable adjustment of the benefits payable under the contract or of the stipulated payments thereunder,  if it is found that the sex,  age,  service,  salary or any other fact determining the amount of any stipulated payment or the amount or date or dates of payment of any benefit with respect to any annuitant covered thereby has been misstated.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1274 - Nonforfeiture benefits in group annuity contract

20-1274.
Nonforfeiture benefits in group annuity contract
A. In group annuity contracts there shall be a provision or provisions,  with an appropriate reference thereto in the certificate,  specifying the nature and basis of ascertainment of the benefits which will be available to an annuitant who contributes to the cost of the annuity and the conditions of payment thereof in the event of either the termination of employment of the annuitant,  except by death,  or the discontinuance of stipulated payments under the contract. The provision or provisions shall,  in either event,  make available to an annuitant who contributes to the cost of the annuity a paid-up annuity payable commencing at a fixed date in an amount at least equal to that purchased by the contributions of the annuitant,  determinable as of the respective dates of payment of the several contributions,  as shown by a schedule in the contract for that purpose,  based upon the same mortality table,  rate of interest and loading formula used in computing the stipulated payments under the contract. The provision or provisions may,  by way of exception to the foregoing,  provide that if the amount of the annuity determined as aforesaid from the fixed commencement date would be less than one hundred twenty dollars annually,  the insurer may at its option,  in lieu of granting the paid-up annuity,  pay a cash surrender value at least equal to that provided by this section.
B. If a cash surrender value,  in lieu of the paid-up annuity,  is allowed to the annuitant by the terms of the contract,  it may be either in a single sum or in equal installments over a period of not more than twelve months,  and it shall at least equal either paragraph 1 or 2 following,  whichever is less:
1. The amount of reserve attributable to the annuitant's contributions less a surrender charge not exceeding thirty-five per cent of the average annual contribution made by the annuitant.
2. The amount which would be payable as a death benefit at the date of surrender.
C. The contract shall also provide that in case of the death of an annuitant before the commencement date of the annuity,  the insurer shall pay a death benefit at least equal to the aggregate amount of the annuitant's contributions without interest. If any benefits are available to the holder in either event,  the contract shall contain a provision or provisions specifying the nature and basis of ascertainment of the benefits.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1275 - Group annuity contract certificates

20-1275.
Group annuity contract certificates
In group annuity contracts there shall be a provision that the insurer will issue to the holder of the contract for delivery to each annuitant who contributes thereunder an individual certificate setting forth a statement in substance of the benefits to which he is entitled under the contract.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1276 - "Employee life insurance" defined

20-1276.
" Employee life insurance"  defined
A. " Employee life insurance"  is that plan of life insurance,  other than salary savings life insurance or pension trust insurance and annuities,  under which individual policies are issued to the employees of any employer and where such policies are issued on the lives of not less than two nor more than forty-nine employees at date of issue.
B. Premiums for such policies shall be paid by the employer or the trustee of a fund established by the employer either from the employer's funds or funds contributed by him,  or from funds contributed by the insured employees,  or from both.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1277 - Assignability of group life insurance

20-1277.
Assignability of group life insurance
Nothing in this title or in any other title shall be construed to prohibit any person insured under a group life insurance policy from making an assignment of all or any part of his incidents of ownership under such policy including but not limited to the privilege to have issued to him an individual policy of life insurance pursuant and subject to the provisions of sections 20-1266 through 20-1269,  inclusive,  and the right to name a beneficiary. Subject to the terms of the policy or agreement between the insured,  the group policyholder and the insurer relating to assignment of incidents of ownership thereunder,  such an assignment by an insured,  made either before or after the effective date of this act,  is valid for the purpose of vesting in the assignee,  in accordance with any provisions included therein as to the time at which it is to be effective,  all of such incidents of ownership so assigned,  but without prejudice to the insurer on account of any payment it may make or individual policy it may issue in accordance with sections 20-1266 through 20-1269,  inclusive,  prior to receipt of notice of the assignment.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1301 - Scope of article

20-1301.
Scope of article
The provisions of this article apply only to industrial life insurance policies. Section 20-1217 (contestability as to excluded or restricted coverage),  section 20-1226 (limitation of liability),  section 20-1227 (incontestability after reinstatement),  section 20-1230 (dual pay policies) and sections 20-1231 and 20-1231.01 (standard nonforfeiture law) shall also apply to industrial life insurance.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1303 - Grace period

20-1303.
Grace period
There shall be a provision that the insured is entitled to a grace period of four weeks within which the payment of any premiums after the first may be made,  except that in policies the premiums for which are payable monthly,  the period of grace shall be one month,  but not less than thirty days,  and that during the period of grace the policy shall continue in full force,  but if during the grace period the policy becomes a claim,  then any overdue and unpaid premiums may be deducted from any settlement under the policy.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1304 - Application and policy as entire contract; statements of applicant as representations

20-1304.
Application and policy as entire contract;  statements of applicant as representations
There shall be a provision that the policy shall constitute the entire contract between the parties,  or,  if a copy of the application is endorsed upon or attached to the policy when issued,  a provision that the policy and the application therefor shall constitute the entire contract. If the application is so made a part of the contract,  the policy shall also provide that all statements made by the applicant in such application shall,  in the absence of fraud,  be deemed to be representations and not warranties.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1305 - Incontestability

20-1305.
Incontestability
There shall be a provision that the policy,  exclusive of provisions relating to disability benefits or to additional benefits in the event of death by accident or accidental means,  shall be incontestable,  except for nonpayment of premiums,  after it has been in force during the lifetime of the insured for a period of two years from its date of issue.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1306 - Misstatement of age

20-1306.
Misstatement of age
There shall be a provision that if it is found that the age of the individual insured,  or the age of any other individual considered in determining the premium,  has been misstated,  any amount payable or benefit accruing under the policy shall be such as the premium would have purchased at the correct age or ages.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1307 - Dividends

20-1307.
Dividends
If a participating policy,  there shall be a provision that the insurer shall annually ascertain and apportion any divisible surplus accruing on the policy,  except that at the option of the insurer such participation may be deferred to the end of the fifth policy year. This provision shall not prohibit the payment of additional dividends on default of payment of premiums or termination of the policy.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1309 - Reinstatement

20-1309.
Reinstatement
There shall be a provision that unless the policy has been surrendered for its cash surrender value or unless the paid-up term insurance,  if any,  has expired,  the policy will be reinstated at any time within two years from the date of premium default upon written application therefor,  the production of evidence of insurability satisfactory to the insurer,  the payment of all premiums in arrears,  and the payment or reinstatement of any other indebtedness to the insurer upon the policy,  all with interest at a rate not exceeding six per cent per annum compounded annually.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1311 - Authority to alter contract

20-1311.
Authority to alter contract
There shall be a provision that no insurance producer shall have the power or authority to waive,  change or alter any of the terms or conditions of any policy,  except that at the option of the insurer the terms or conditions may be changed by an endorsement signed by a duly authorized officer of the insurer.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1312 - Beneficiary; change of beneficiary; payment

20-1312.
Beneficiary;  change of beneficiary;  payment
A. Each policy shall have a space on the front or back page of the policy for the name of the beneficiary designated with a reservation of the right to designate or change the beneficiary after the issuance of the policy.
B. The policy may also provide that no designation or change of beneficiary shall be binding on the insurer unless endorsed on the policy by the insurer,  and that the insurer may refuse to endorse the name of any proposed beneficiary who does not appear to the insurer to have an insurable interest in the life of the insured. Such a policy may also provide that if the beneficiary designated in the policy does not surrender the policy with due proof of death within the period stated in the policy,  which shall be not less than thirty days after the death of the insured,  or if the beneficiary is the estate of the insured or is a minor,  or dies before the insured,  or is not legally competent to give a valid release,  then the insurer may make payment thereunder to the executor or administrator of the insured,  or to any of the insured's relatives by blood or legal adoption or connection by marriage,  or to any person appearing to the insurer to be equitably entitled thereto by reason of having been named beneficiary,  or by reason of having incurred expense for the maintenance,  medical attention or burial of the insured. The policy may also include a similar provision applicable to any other payment due under the policy.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1313 - Direct payment of premiums

20-1313.
Direct payment of premiums
In the case of weekly premium policies,  there may be a provision that upon proper notice to the insurer,  while premiums on the policy are not in default beyond the grace period,  of the intention to pay future premiums directly to the insurer at its home office or any office designated by the insurer for the purpose,  the insurer will,  at the end of each period of a year from the due date of the first premium so paid,  for which period such premiums are so paid continuously without default beyond the grace period,  refund a stated percentage of the premiums in an amount which fairly represents the savings in collection expense.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1314 - Conversion of weekly premium policies

20-1314.
Conversion of weekly premium policies
There shall be a provision in the case of weekly premium policies granting to the insured,  upon proper written request and upon presentation of evidence of insurability satisfactory to the insurer,  the privilege of converting a weekly premium industrial insurance policy to any form of life insurance with less frequent premium payments regularly issued by the insurer,  in accordance with terms and conditions agreed upon with the insurer. The privilege of making the conversion need be granted only if the insurer's weekly premium industrial policies on the life insured,  in force as premium paying insurance and on which conversion is requested,  grant benefits in event of death,  exclusive of additional accidental death benefits and exclusive of any dividend additions,  in an amount not less than the minimum amount of such insurance with less frequent premium payments issued by the insurer at the age of the insured on the plan of industrial or ordinary insurance desired.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1315 - Conversion of monthly premium policies

20-1315.
Conversion of monthly premium policies
There shall be a provision,  in the case of monthly premium industrial policies,  granting,  upon proper written request and upon presentation of evidence of insurability satisfactory to the insurer,  the privilege of converting a monthly premium industrial insurance policy to any form of ordinary life insurance regularly issued by the insurer,  in accordance with terms and conditions agreed upon with the insurer. The privilege of making the conversion need be granted only if the insurer's monthly premium industrial policies on the life insured,  in force as premium paying insurance and on which conversion is requested,  grant benefits in event of death,  exclusive of additional accidental death benefits and exclusive of any dividend additions,  in an amount not less than the minimum amount of ordinary insurance issued by the insurer at the age of the insured on the plan of ordinary insurance desired.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1317 - Provisions inapplicable to single premium or term policies

20-1317.
Provisions inapplicable to single premium or term policies
Any of the provisions required by sections 20-1303 to 20-1316,  inclusive,  or any portion thereof which are not applicable to single premium or term policies or to policies issued or granted pursuant to nonforfeiture provisions shall to that extent not be incorporated therein.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1318 - Prohibited provisions

20-1318.
Prohibited provisions
No policy of industrial insurance shall contain any of the following provisions:
1. A provision by which the insurer may deny liability under the policy for the reason that the insured has previously obtained other insurance from the same insurer.
2. A provision giving the insurer the right to declare the policy void because the insured has had any disease or ailment,  whether specified or not,  or because the insured has received institutional,  hospital,  medical or surgical treatment or attention,  except a provision which gives the insurer the right to declare the policy void if the insured has,  within two years prior to the issuance of the policy,  received institutional,  hospital,  medical or surgical treatment or attention and if the insured or claimant under the policy fails to show that the condition occasioning such treatment or attention was not of a serious nature or was not material to the risk.
3. A provision giving the insurer the right to declare the policy void because the insured has been rejected for insurance,  unless such right is conditioned upon a showing by the insurer that knowledge of the rejection would have led to a refusal by the insured to make the contract.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1341 - Scope of article

20-1341.
Scope of article
Nothing in this article shall apply to or affect:
1. Any policy of liability or workers' compensation insurance with or without supplementary expense coverage therein.
2. Any group or blanket policy.
3. Life insurance,  endowment or annuity contracts,  or contracts supplemental thereto which contain only such provisions relating to disability insurance as provide additional benefits in case of death or dismemberment or loss of sight by accident,  or as operate to safeguard such contracts against lapse or to give a special surrender value or special benefit or an annuity in the event that the insured or annuitant develops a total and permanent disability,  as defined by the contract or supplemental contract.
4. Reinsurance.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1342.01 - Children with disabilities

20-1342.01.
Children with disabilities
An individual hospital or medical expense insurance policy delivered or issued for delivery in this state more than one hundred twenty days after August 27,  1977 that provides that coverage of a dependent child shall terminate on attainment of the limiting age for dependent children specified in the policy,  shall also provide in substance that attainment of such limiting age shall not operate to terminate the coverage of that child while the child is and continues to be both incapable of self-sustaining employment by reason of intellectual disability or physical disability and chiefly dependent on the policyholder for support and maintenance. Proof of such incapacity and dependency shall be furnished to the insurer by the policyholder within thirty-one days of the child's attainment of the limiting age and subsequently as may be required by the insurer but not more frequently than annually after the two-year period following the child's attainment of the limiting age.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1342.04 - Disability insurance policies; varying copayments and deductibles allowed

20-1342.04.
Disability insurance policies;  varying copayments and deductibles allowed
A. Except as provided in sections 20-1379 and 20-2304,  a disability insurer may offer one or more disability insurance policies that contain a choice of deductibles,  coinsurance,  copayments,  out-of-pocket and any other cost sharing levels. Plans offered under this section shall clearly disclose in marketing materials,  certificates of coverage and contracts the insured s financial responsibilities. A disability insurer that offers such a disability insurance policy shall continue to provide any mandated health coverage that is required by this state or by federal law.
B. This section does not prohibit a health benefits plan that is intended to qualify as a high deductible health plan as defined by 26 United States Code section 223(c)(2) from requiring the application of deductibles,  copayments or coinsurance to benefits provided under the health benefits plan.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1342.05 - Eosinophilic gastrointestinal disorder; formula

20-1342.05.
Eosinophilic gastrointestinal disorder;  formula
A. Any policy of disability insurance that is offered by a disability insurer and that contains a prescription drug benefit shall cover amino acid-based formula that is ordered by a physician or by a registered nurse practitioner if:
1. The insured has been diagnosed with an eosinophilic gastrointestinal disorder.
2. The insured is under the continuous supervision of a physician who is licensed pursuant to title 32,  chapter 13 or 17 or a registered nurse practitioner who is licensed pursuant to title 32,  chapter 15.
3. There is risk of a mental or physical impairment without the use of the formula.
B. A disability insurer shall cover at least seventy-five per cent of the cost of the formula. The disability insurer may limit the maximum annual benefit for formula under this section to twenty thousand dollars.
C. This section does not apply to limited benefit coverage as defined in section 20-1137.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1342.06 - Contracts; dentists; covered services; definition

20-1342.06.
Contracts;  dentists;  covered services;  definition
A. A contract,  entered into or renewed on or after January 1,  2011,  between a disability insurer and a dentist who is licensed to practice in this state shall not require the dentist to provide services to an individual covered under a disability insurance policy based on a fee set by the disability insurer unless the services for which the fee applies is a covered service under the individual's disability insurance policy.
B. This section does not restrict the ability of a disability insurer to establish dental benefits for services offered by plans that are administered but not insured by the disability insurer.
C. For the purposes of this section,  " covered service"  means a service for which any reimbursement is available under a disability insurance policy without regard to contractual limitations by a deductible,  copayment,  coinsurance,  waiting period,  annual or lifetime maximum,  frequency limitation,  alternative benefit payment,  exclusion or other limitation.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1342.07 - Contracts; optometrists; covered services; definition

20-1342.07.
Contracts;  optometrists;  covered services;  definition
A. Except as provided in subsection C of this section,  a contract,  entered into or renewed on or after January 1,  2022,  between a disability insurer and an optometrist who is licensed to practice in this state shall not:
1. Require the optometrist to provide a service to an individual covered under a disability insurance policy based on a fee set by the disability insurer unless the service for which the fee applies is a covered service under the individual's disability insurance policy.
2. Prohibit an optometrist from offering or providing a vision service that is not a covered service to a covered individual at a fee determined by the optometrist or by the optometrist and the covered individual.
3. Require an optometrist to use one or more specific vendors to replenish the optometrist's inventory of spectacle lenses after the optometrist dispenses the optometrist's inventory to eligible members of the vision plan as a covered vision service.
B. This section applies to an administrator providing third-party administration services or a provider network for a vision plan.
C. This section does not restrict the ability of a disability insurer to enter into a contract for an optometrist to participate in a discount program sponsored by the disability insurer for services that are not covered if:
1. Participation in the disability insurer network is not contingent on participation in the sponsored discount program.
2. The disability insurer offers equal treatment to an optometrist who does not participate in a sponsored discount program,  regarding:
(a) Promotional treatment.
(b) Marketing benefits.
(c) Materials.
(d) Contract terms for providing a covered service.
D. Notwithstanding subsection C,  paragraph 2,  subdivision (d) of this section,  a disability insurer,  when providing a typically formatted list of optometrists in the disability insurer network,  may identify whether an optometrist participates in a discount program for services not covered by the disability insurer,  provided that all lists state that other discounts may be available with individual optometrists.
E. All contracts shall be in compliance with this section by the first renewal period on or after January 1,  2022,  but not later than December 31,  2022.
F. For the purposes of this section,  " covered service"  means a service for which any reimbursement is available under a disability insurance policy without regard to contractual limitations by a deductible,  copayment,  coinsurance,  waiting period,  annual or lifetime maximum,  frequency limitation,  alternative benefit payment,  exclusion or other limitation.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1343 - Policies issued for delivery in another state

20-1343.
Policies issued for delivery in another state
If any policy is issued by a domestic insurer for delivery to a person residing in another state,  and if the official having responsibility for the administration of the insurance laws of such other state has advised the director that any such policy is not subject to approval or disapproval by such official,  the director may by ruling require that such policy meet applicable standards set forth in this article and in article 1 of chapter 5 of this title.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1344 - Policy provisions required; omissions; substitutions

20-1344.
Policy provisions required;  omissions;  substitutions
A. Except as provided in subsection B of this section,  each such policy delivered or issued for delivery to any person in this state shall contain the provisions specified in sections 20-1345 to 20-1356,  inclusive,  in the words in which such provisions appear,  except that the insurer may,  at its option,  substitute for one or more of such provisions corresponding provisions of different wording approved by the director which are in each instance not less favorable in any respect to the insured or the beneficiary. Each such provision shall be preceded individually by the applicable caption shown,  or,  at the option of the insurer,  by such appropriate individual or group captions or subcaptions as the director approves.
B. If any such provision 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 director,  shall omit from the policy any inapplicable provision or part of a provision,  and shall modify any inconsistent provision or part of a provision in such manner as to make the provision as contained in the policy consistent with the coverage provided by the policy.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1345 - Policy and attachments as entire contract; changes in policy

20-1345.
Policy and attachments as entire contract;  changes in policy
There shall be a provision as follows: " Entire contract;  changes: This policy,  including the endorsements and the attached papers,  if any,  constitutes the entire contract of insurance. No change in this policy shall be valid until approved by an executive officer of the insurer and unless such approval be endorsed hereon or attached hereto. No agent has authority to change this policy or to waive any of its provisions."
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1346 - Time limit on defenses

20-1346.
Time limit on defenses
A. There shall be a provision as follows: " Time limit on certain defenses: (a) After two years from the date of issue of this policy no misstatements,  except fraudulent misstatements,  made by the applicant in the application for such policy shall be used to void the policy or to deny a claim for loss incurred or disability (as defined in the policy) commencing after the expiration of such two year period."
" (b) No claim for loss incurred or disability (as defined in the policy) commencing after two years from the date of issue of this policy shall be reduced or denied on the ground that a disease or physical condition not excluded from coverage by name or specific description effective on the date of loss had existed prior to the effective date of coverage of this policy."
B. The policy provision set forth in (a) of subsection A of this section shall not be so construed as to affect any legal requirement for avoidance of a policy or denial of a claim during such initial two year period,  nor to limit the application of sections 20-1358,  20-1359,  20-1360,  20-1361 and 20-1362 in the event of misstatement with respect to age or occupation or other insurance.
C. A policy which the insured has the right to continue in force subject to its terms by the timely payment of premium until at least age fifty or,  in the case of a policy issued after age forty-four,  for at least five years from its date of issue,  may contain in lieu of (a) of subsection A of this section the following provision,  from which the clause in parentheses may be omitted at the insurer's option,  under the caption " Incontestable:"  " After this policy has been in force for a period of two years during the lifetime of the insured (excluding any period during which the insured is a person with a disability),  it shall become incontestable as to the statements contained in the application."
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1347 - Grace period

20-1347.
Grace period
A. There shall be a provision as follows: " Grace period: A grace period of ______________ (insert a number not less than 'seven' for weekly premium policies,  'ten' for monthly premium policies and 'thirty-one' for all other policies) days will be granted for the payment of each premium falling due after the first premium,  during which grace period the policy shall continue in force."
B. A policy which contains a cancellation provision may add,  at the end of the provision set forth in subsection A of this section: " subject to the right of the insurer to cancel in accordance with the cancellation provision hereof."
C. A policy in which the insurer reserves the right to refuse any renewal shall have,  at the beginning of the provision set forth in subsection A of this section: " Unless not less than five days prior to the premium due date the insurer has delivered to the insured or has mailed to his last address as shown by the records of the insurer written notice of its intention not to renew this policy beyond the period for which the premium has been accepted, " .
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1348 - Reinstatement

20-1348.
Reinstatement
A. There shall be a provision as follows: " Reinstatement: If any renewal premium is not paid within the time granted the insured for payment,  a subsequent acceptance of premium by the insurer or by any agent duly authorized by the insurer to accept such premium,  without requiring in connection therewith an application for reinstatement,  shall reinstate the policy,  provided,  however,  that if the insurer or such agent requires an application for reinstatement and issues a conditional receipt for the premium tendered,  the policy will be reinstated upon approval of such application by the insurer or,  lacking such approval,  upon the forty-fifth day following the date of such conditional receipt unless the insurer has previously notified the insured in writing of its disapproval of such application. The reinstated policy shall cover only loss resulting from such accidental injury as may be sustained after the date of reinstatement and loss due to such sickness as may begin more than ten days after such date. In all other respects the insured and insurer shall have the same rights thereunder as they had under the policy immediately before the due date of the defaulted premium,  subject to any provisions endorsed hereon or attached hereto in connection with the reinstatement. Any premium accepted in connection with a reinstatement shall be applied to a period for which premium has not been previously paid,  but not to any period more than sixty days prior to the date of reinstatement."
B. The last sentence of the provision set forth in subsection A of this section may be omitted from any policy which the insured has the right to continue in force subject to its terms by the timely payment of premiums until at least age fifty or,  in the case of a policy issued after age forty-four for at least five years from its date of issue.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1349 - Notice of claim

20-1349.
Notice of claim
A. There shall be a provision as follows: " Notice of claim: Written notice of claim must be given to the insurer within twenty days after the occurrence or commencement of any loss covered by the policy,  or as soon thereafter as is reasonably possible. Notice given by or on behalf of the insured or the beneficiary to the insurer at ____________ (insert the location of such office as the insurer may designate for the purpose),  or to any authorized agent of the insurer,  with information sufficient to identify the insured,  shall be deemed notice to the insurer."
B. In a policy providing a loss-of-time benefit which may be payable for at least two years,  an insurer may at its option insert the following between the first and second sentences of the provision set forth in subsection A of this section: " Subject to the qualifications set forth below,  if the insured suffers loss of time on account of disability for which indemnity may be payable for at least two years,  he shall,  at least once in every six months after having given notice of claim,  give to the insurer notice of continuance of said disability,  except in the event of legal incapacity. The period of six months following any filing of proof by the insured or any payment by the insurer on account of such claim or any denial of liability in whole or in part by the insurer shall be excluded in applying this provision. Delay in the giving of such notice shall not impair the insured's right to any indemnity which would otherwise have accrued during the period of six months preceding the date on which such notice is actually given."
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1350 - Claim forms

20-1350.
Claim forms
There shall be a provision as follows: " Claim forms: The insurer,  upon receipt of a notice of claim,  will furnish to the claimant such forms as are usually furnished by it for filing proofs of loss. If such forms are not furnished within fifteen days after the giving of such notice the claimant shall be deemed to have complied with the requirements of this policy as to proof of loss upon submitting,  within the time fixed in the policy for filing proofs of loss,  written proof covering the occurrence,  the character and the extent of the loss for which claim is made."
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1351 - Proofs of loss

20-1351.
Proofs of loss
There shall be a provision as follows: " Proofs of loss: Written proof of loss must be furnished to the insurer at its said office in case of claim for loss for which this policy provides any periodic payment contingent upon continuing loss within ninety days after the termination of the period for which the insurer is liable and in case of claim for any other loss within ninety days after the date of such loss. Failure to furnish such proof within the time required shall not invalidate nor reduce any claim if it was not reasonably possible to give proof within such time,  provided such proof is furnished as soon as reasonably possible and in no event,  except in the absence of legal capacity,  later than one year from the time proof is otherwise required."
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1352 - Time for payment of claims

20-1352.
Time for payment of claims
There shall be a provision as follows:
" Time of payment of claims: Indemnities payable under this policy for any loss other than loss for which this policy provides any periodic payment,  will be paid immediately upon receipt of due written proof of such loss. Subject to due written proof of loss,  all accrued indemnities for loss for which this policy provides periodic payment will be paid ___________ (insert period for payment which must not be less frequently than monthly) and any balance remaining unpaid upon the termination of liability will be paid immediately upon receipt of due written proof."
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1353 - Payment of claims

20-1353.
Payment of claims
A. There shall be a provision as follows:
" Payment of claims: Indemnity for loss of life will be payable in accordance with the beneficiary designation and the provisions respecting such payment which may be prescribed herein and effective at the time of payment. If no such designation or provision is then effective,  such indemnity shall be payable to the estate of the insured. Any other accrued indemnities unpaid at the insured's death may,  at the option of the insurer,  be paid either to such beneficiary or to such estate. All other indemnities will be payable to the insured."
B. The following provisions,  or either of them,  may be included with the provision set forth in subsection A of this section at the option of the insurer: " If any indemnity of this policy shall be payable to the estate of the insured,  or to an insured or beneficiary who is a minor or otherwise not competent to give a valid release,  the insurer may pay such indemnity,  up to an amount not exceeding $ ____________________ (insert an amount which shall not exceed one thousand dollars),  to any relative by blood or connection by marriage of the insured or beneficiary who is deemed by the insurer to be equitably entitled thereto. Any payment made by the insurer in good faith pursuant to this provision shall fully discharge the insurer to the extent of such payment."
" Subject to any written direction of the insured in the application or otherwise all or a portion of any indemnities provided by this policy on account of hospital,  nursing,  medical,  or surgical services may,  at the insurer's option and unless the insured requests otherwise in writing not later than the time of filing proof of such loss,  be paid directly to the hospital or person rendering such services,  but it is not required that the service be rendered by a particular hospital or person."
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1354 - Physical examination; autopsy

20-1354.
Physical examination;  autopsy
There shall be a provision as follows: " Physical examinations and autopsy: The insurer at its own expense shall have the right and opportunity to examine the person of the insured when and as often as it may reasonably require during the pendency of a claim hereunder and to make an autopsy in case of death where it is not forbidden by law."