reglab/statecodes huggingface dataset:
2023 Alaska Statutes › Title 21. Insurance › Chapter 42. The Insurance Contract › Article 1. The Insurance Contract. › Sec. 21.42.280. Payment discharges insurer.

When the proceeds of or payments under a life or health insurance policy or annuity contract, whether issued before or after July 1, 1966, become payable in accordance with the terms of the policy or contract, or the exercise of a right or privilege under the policy or contract and the insurer makes payment in accordance with the terms of the policy or contract or in accordance with a written assignment, the person then designated under the policy as being entitled to the proceeds or payments shall be entitled to receive the proceeds or payments and to give full acquittance for them. The payments shall fully discharge the insurer from all claims under the policy or contract unless, before payment is made, the insurer has received at its home office written notice by or on behalf of another person that the other person claims to be entitled to the payment or some interest in the policy or contract.
2023 Alaska Statutes › Title 21. Insurance › Chapter 42. The Insurance Contract › Article 1. The Insurance Contract. › Sec. 21.42.290. Minor may give acquittance.

(a) A minor domiciled in this state who has attained the age of 16 years shall be considered competent to receive and to give full acquittance and discharge for a payment or payments in aggregate amount not exceeding $3,000 in any one year made by a life insurer under the maturity, death, or settlement agreement provisions in effect or elected by the minor under a life insurance policy or annuity contract, if the policy, contract, or agreement provides for the payment or payments to the minor, and if before the payment the insurer has not received written notice of the appointment of a duly qualified guardian of the property of the minor. A minor is not competent to alienate to the right to or to anticipate the payments.
(b) This section does not require an insurer to determine whether another insurer is effecting a similar payment to the same minor.
2023 Alaska Statutes › Title 21. Insurance › Chapter 42. The Insurance Contract › Article 1. The Insurance Contract. › Sec. 21.42.300. Forms for proof of loss to be furnished.

An insurer shall furnish, upon written request of the person claiming to have a loss under an insurance contract issued by the insurer, forms of proof of loss for completion by the person, but the insurer is not, by reason of the requirement to furnish forms, responsible for or with reference to the completion of the proof or the manner of the completion or attempted completion.
2023 Alaska Statutes › Title 21. Insurance › Chapter 42. The Insurance Contract › Article 1. The Insurance Contract. › Sec. 21.42.310. Claims administration not waiver.

Without limitation of a right or defense of an insurer otherwise, none of the following acts by or on behalf of an insurer constitute a waiver of a provision of a policy or of a defense of the insurer thereunder:
(1) acknowledgment of the receipt of notice of loss or claim under the policy;
(2) furnishing forms for reporting a loss or claim, for giving information relative to it, or for making proof of loss, or receiving or acknowledging receipt of forms or proofs completed or uncompleted;
(3) investigating a loss or claim under a policy or engaging in negotiations for a possible settlement of the loss or claim.
2023 Alaska Statutes › Title 21. Insurance › Chapter 42. The Insurance Contract › Article 2. Specific Coverage Provisions. › Sec. 21.42.345. Required provision for coverage of dependents.

(a) A health care insurance plan providing coverage for a dependent of a covered individual shall, as to the dependent's coverage, also provide that the health care insurance benefits applicable for dependents shall be payable with respect to
(1) a newly born child of a covered individual from the moment of birth;
(2) a child adopted by a covered individual from the date of adoption;
(3) a child placed with a covered individual for adoption from the date of placement for adoption; and
(4) a spouse from not later than the first day of the first month beginning after the date the request for enrollment is received, but the insurer may require that a request for enrollment be received within 31 days of the date of marriage.
(b) The coverage for a newly born child under this section shall consist of coverage of injury or sickness, including the necessary care and treatment of medically diagnosed congenital defects and birth abnormalities.
(c) If payment of a specific charge is required to provide coverage for a child under this section, the policy or contract may require that notification of birth of a newly born child, adopted child, or child placed for adoption and payment of the required premium or fees may be required to be furnished to the health care insurer within 31 days after the date of birth, adoption, or placement for adoption in order to have the coverage continue beyond the 31-day period.
(d) Under (a) - (c) of this section, a health care insurer shall offer coverage for a family member, including a newly born child, adopted child, or child placed for adoption, regardless of the marital status of the covered individual.
2023 Alaska Statutes › Title 21. Insurance › Chapter 42. The Insurance Contract › Article 2. Specific Coverage Provisions. › Sec. 21.42.347. Coverage for costs of birth.

(a) A health care insurer who provides coverage for the costs of childbirth shall also provide coverage for the costs of hospitalization or medical care following childbirth for a period of not less than
(1) 48 hours after a vaginal birth; and
(2) 96 hours after a caesarean birth.
(b) Except as otherwise required to provide coverage specified under (a) of this section, this section does not affect a payment arrangement entered into between a hospital or health care provider and a health care insurer.
(c) This section may not be construed to require hospitalization or medical care as described under (a)(1) or (2) of this section if the mother giving birth and the mother's health care provider agree that the mother and any newborn child of the mother should be discharged earlier than required under (a)(1) or (2) of this section.
(d) In this section,
(1) “health care insurer” has the meaning given in AS 21.54.500; “health care insurer” includes the Comprehensive Health Insurance Association as described in AS 21.55.010;
(2) “health care provider” means a person licensed in this state to provide health care services.
2023 Alaska Statutes › Title 21. Insurance › Chapter 42. The Insurance Contract › Article 2. Specific Coverage Provisions. › Sec. 21.42.349. Coverage for newborn and infant hearing screening.

(a) Except for a fraternal benefit society, a health care insurer that offers, issues for delivery, delivers, or renews in this state a health care insurance plan shall provide coverage for newborn and infant hearing screening under the schedule described in (b) of this section if the plan covers services provided to women during pregnancy and childbirth and the dependents of a covered individual.
(b) The minimum coverage required under (a) of this section includes
(1) a newborn or infant hearing screening to be performed within 30 days after the child's birth; and
(2) if the initial screening under (1) of this subsection determines that the child may have a hearing impairment, a confirmatory hearing diagnostic evaluation.
(c) The coverage required by this section may be subject to standard policy provisions that are applicable to other benefits, such as deductible or copayment provisions.
2023 Alaska Statutes › Title 21. Insurance › Chapter 42. The Insurance Contract › Article 2. Specific Coverage Provisions. › Sec. 21.42.351. Coverage for well-baby exams.

(a) A health care insurer that offers health care insurance that covers a dependent of a covered individual shall, initially and at each renewal, offer coverage for the cost of well-baby exams. The coverage required to be offered by this section is subject to standard policy provisions applicable to other benefits, including deductible or copayment provisions.
(b) In this section,
(1) “health care insurer” has the meaning given in AS 21.54.500;
(2) “health care professional” means a health aide, physician, nurse, and physician assistant, but does not include a practitioner of religious healing;
(3) “well-baby exam” means
(A) a periodic physical examination by a qualified health care professional of a baby during the first 24 months of life in which information is collected on matters including normal development, growth rate, hearing, vision, language skills, motor development, diet, general care, preventative health care, immunizations, and infectious diseases; and
(B) consultation between the health care professional and a parent.
2023 Alaska Statutes › Title 21. Insurance › Chapter 42. The Insurance Contract › Article 2. Specific Coverage Provisions. › Sec. 21.42.353. Coverage for the costs of acupuncture treatment.

Except for a fraternal benefit society, a health care insurer that offers, issues for delivery, delivers, or renews in this state a health care insurance plan may offer coverage for services of an acupuncturist licensed under AS 08.06 if the plan covers acupuncture treatment by a health care provider who is subject to other provisions of AS 08.
2023 Alaska Statutes › Title 21. Insurance › Chapter 42. The Insurance Contract › Article 2. Specific Coverage Provisions. › Sec. 21.42.355. Coverage for cost of services provided by certified nurse midwives.

(a) If a health care insurance plan or an excepted benefits policy or contract provides indemnity for the cost of services of a physician provided to women during pregnancy, childbirth, and the period after childbirth, indemnity in a reasonable amount shall also be provided for the cost of an advanced practice registered nurse who provides the same services. Indemnity may be provided under this subsection only if the advanced practice registered nurse is practicing as a certified nurse midwife in accordance with regulations adopted under AS 08.68.100(a), and the services provided are within the scope of practice of that certification.
(b) If a health care insurance plan or an excepted benefits policy or contract provides for furnishing those services required of a physician in the care of women during pregnancy, childbirth, and the period after childbirth, the contract shall also provide that an advanced practice registered nurse may furnish those same services instead of a physician. Services may be provided under this subsection only if the advanced practice registered nurse is practicing as a certified nurse midwife in accordance with regulations adopted under AS 08.68.100(a), and the services provided are within the scope of practice of that certification.
2023 Alaska Statutes › Title 21. Insurance › Chapter 42. The Insurance Contract › Article 2. Specific Coverage Provisions. › Sec. 21.42.363. Eye care under health insurance.

A policy, contract, or prepaid plan for individual or group health insurance issued or delivered in the state that provides reimbursement for a service within the lawful scope of practice of an optometrist licensed under AS 08.72 must provide for reimbursement to a person covered under the policy, contract, or plan who had the service performed by an optometrist.
2023 Alaska Statutes › Title 21. Insurance › Chapter 42. The Insurance Contract › Article 2. Specific Coverage Provisions. › Sec. 21.42.365. Coverage for treatment of alcoholism or drug abuse.

(a) Except for a fraternal benefit society, a health care insurer that offers, issues for delivery, delivers, or renews in this state a health care insurance plan providing coverage for five or more employees of an employer in the group market shall offer a covered employee or the employee's dependent coverage for the treatment of alcoholism or drug abuse.
(b) In this section, “alcoholism or drug abuse” means an illness characterized by
(1) a physiological or psychological dependency, or both, on alcoholic beverages or controlled substances as defined in AS 11.71.900; or
(2) habitual lack of self-control in using alcoholic beverages or controlled substances to the extent that the person's health is substantially impaired or the person's social or economic function is substantially disrupted.
2023 Alaska Statutes › Title 21. Insurance › Chapter 42. The Insurance Contract › Article 2. Specific Coverage Provisions. › Sec. 21.42.375. Coverage for mammograms.

(a) Except for a fraternal benefit society, a health care insurer that offers, issues for delivery, delivers, or renews in this state a health care insurance plan shall provide coverage for low-dose mammography screening under the schedule described in (b) of this section if the plan covers mastectomies and prosthetic devices and reconstructive surgery incident to mastectomies.
(b) The minimum coverage required under (a) of this section includes
(1) a baseline mammogram for a covered individual who is at least 35 years of age but less than 40 years of age;
(2) one mammogram every two years for a covered individual who is at least 40 years of age but less than 50 years of age;
(3) an annual mammogram for a covered individual who is at least 50 years of age;
(4) a mammogram at any age for a covered individual with a history of breast cancer or whose parent or sibling has a history of breast cancer, upon referral by a physician.
(c) The coverage required by this section
(1) must be included in the health care insurance plan on a basis that is not less favorable than for other radiological examinations;
(2) may be subject to standard policy provisions applicable to other benefits, such as deductible or copayment provisions.
(d) [Repealed, § 115 ch 81 SLA 1997.]
(e) In this section, “low-dose mammography screening” and “mammogram” mean the X-ray examination of the breast using equipment dedicated specifically for mammography, including the X-ray tube, filter, compression device, screens, films, and cassettes, with an average radiation exposure delivery of less than one rad mid-breast, with two views for each breast.
2023 Alaska Statutes › Title 21. Insurance › Chapter 42. The Insurance Contract › Article 2. Specific Coverage Provisions. › Sec. 21.42.377. Coverage for colorectal cancer screening.

(a) Except for a fraternal benefit society, a health care insurer that offers, issues for delivery, delivers, or renews in this state a health care insurance plan shall provide coverage for the costs of colorectal cancer screening examinations and laboratory tests under the schedule described in (b) of this section. The coverage required by this section is subject to standard policy provisions applicable to other benefits, including deductible or copayment provisions.
(b) The minimum coverage required under (a) of this section for colorectal cancer screening includes coverage for colorectal cancer examinations and laboratory tests specified in American Cancer Society guidelines for colorectal cancer screening of asymptomatic individuals. Coverage shall be provided for all colorectal screening examinations and tests that are administered at a frequency identified in the American Cancer Society guidelines for colorectal cancer.
(c) Coverage provided under this section applies to a covered individual who is
(1) at least 50 years of age; or
(2) less than 50 years of age and at high risk for colorectal cancer.
(d) All screening options identified in (b) of this section shall be covered by the insurer, with the choice of option determined by the covered individual in consultation with a health care provider.
(e) For individuals considered at average risk for colorectal cancer, coverage or benefits shall be provided for the choice of screening, so long as it is conducted in accordance with the specified frequency. For individuals considered at high risk for colorectal cancer, screening shall be provided at a frequency determined necessary by a health care provider.
(f) An employer that provides a health care insurance plan under this section shall notify each covered individual of the coverage for colorectal cancer screenings unless coverage for colorectal cancer screening previously exists. The notice shall be included in the health benefit handbook or be provided by written or electronic communication between an employer or health plan administrator and a covered individual. However, if the covered individual purchases the health care insurance plan from the insurer issuing the policy, the insurer is responsible for notifying the covered individual of the coverage for colorectal cancer screening under this section.
(g) In this section, “individual considered at high risk for colorectal cancer” means an individual who faces a high risk for colorectal cancer because of
(1) family history;
(2) prior experience of cancer or precursor neoplastic polyps;
(3) a history of a chronic digestive disease condition, including inflammatory bowel disease, Crohn's Disease, or ulcerative colitis;
(4) the presence of any appropriate recognized gene markers for colorectal cancer; or
(5) other predisposing factors.
2023 Alaska Statutes › Title 21. Insurance › Chapter 42. The Insurance Contract › Article 2. Specific Coverage Provisions. › Sec. 21.42.380. Coverage for treatment of phenylketonuria.

(a) Except for a fraternal benefit society, a health care insurer that offers, issues for delivery, delivers, or renews in this state a health care insurance plan shall provide coverage under the plan for the formulas necessary for the treatment of phenylketonuria. This subsection does not apply to a health care insurance plan that the director has determined by order should be excluded from this subsection.
(b) A health care insurer providing coverage under this section may impose reasonable contract limitations but may not refuse coverage based on a preexisting condition of phenylketonuria or require that an individual covered under the plan pay a higher deductible or copayment for the cost of treating phenylketonuria than for the cost of treating another condition or illness.
(c) In this section, “cost” means the lowest of the following:
(1) the actual charge for the treatment received for phenylketonuria;
(2) the usual, customary, and reasonable charge for the treatment as determined by the contract of coverage; or
(3) the charge agreed to by contract between the treatment provider and the health care insurer.
2023 Alaska Statutes › Title 21. Insurance › Chapter 42. The Insurance Contract › Article 2. Specific Coverage Provisions. › Sec. 21.42.385. Dental, vision, and hearing coverage.

(a) Except for a fraternal benefit society, a health care insurer that offers, issues for delivery, delivers, or renews in this state a health care insurance plan, including a Medicare supplement policy to the extent not prohibited by 42 U.S.C. 1395 (Social Security Act), shall offer to each plan sponsor or individual minimum dental, vision, and hearing coverage described in (b) of this section. Coverage required under this subsection may be offered as a rider or in a separate policy.
(b) The minimum coverage required under (a) of this section
(1) may be provided under contract with another health care insurer;
(2) may not be less than the dental, vision, and hearing coverage provided on July 1, 2009, to an individual entitled to medical benefits under AS 39.35.535 (public employees' retirement system of Alaska); and
(3) shall be adjusted by the director on July 1, 2012, and every three years thereafter to correspond to changes in coverage provided to individuals entitled to medical benefits under AS 39.35.535.
(c) This section does not apply to a health care insurer that has written less than $300,000 in premiums in the previous calendar year. A health care insurer exempt under this subsection shall disclose the exemption when offering, issuing for delivery, delivering, or renewing a health care insurance plan or an excepted benefits contract, and shall advise the individual covered under the plan that health care insurers that have written more than $300,000 in premiums in the previous calendar year are required to offer coverage under (a) and (b) of this section.
(d) This section does not require an insurer who offers only group insurance coverage under AS 21.54 to offer dental, vision, and hearing coverage to an individual.
2023 Alaska Statutes › Title 21. Insurance › Chapter 42. The Insurance Contract › Article 2. Specific Coverage Provisions. › Sec. 21.42.390. Coverage for treatment of diabetes.

(a) A health care insurer that offers in this state a health care insurance plan that includes coverage for pharmacy services shall initially and at each renewal provide coverage for the cost of treating diabetes, including medication, equipment, and supplies. All health care insurance plans must include coverage for outpatient self-management training or education, and medical nutrition therapy, if diabetes treatment is prescribed by a health care provider. The coverage required by this section is subject to standard policy provisions applicable to other benefits, including deductible or copayment provisions. Coverage for the cost of diabetes outpatient self-management training or education and for the cost of medical nutrition therapy is only required if provided by a health care provider with training in the treatment of diabetes.
(b) [Repealed, § 2 ch 23 SLA 2000.]
(c) In this section,
(1) “diabetes” includes insulin-dependent diabetes, insulin-using diabetes, gestational diabetes, and non-insulin-using diabetes;
(2) “health care provider” means a person licensed to provide health care services as required by the state.
2023 Alaska Statutes › Title 21. Insurance › Chapter 42. The Insurance Contract › Article 2. Specific Coverage Provisions. › Sec. 21.42.395. Coverage for prostate and cervical cancer detection.

(a) Except for a fraternal benefit society, a health care insurer that offers, issues for delivery, delivers, or renews in this state a health care insurance plan shall provide coverage for the costs of prostate cancer screening tests as required under the schedule described in (b) of this section and shall provide coverage for the costs of cervical cancer screening tests as required under (c) of this section. The coverage required by this section is subject to standard policy provisions applicable to other benefits, including deductible or copayment provisions. If a physician recommends that a covered individual undergo prostate cancer screening by taking a prostate antigen blood test, coverage may not be denied because the covered individual has already had a digital rectal examination and the examination results were negative.
(b) The minimum coverage required under (a) of this section includes an annual prostate cancer screening test for a person who is
(1) at least 35 years of age but less than 40 years of age and the person is in a high risk group; in this paragraph, “high risk” means a person who is an African-American or who has a family history of prostate cancer; or
(2) 40 or more years of age.
(c) The minimum coverage required under (a) of this section for cervical cancer screening is an annual pap smear cancer screening test for a person who is 18 or more years of age.
(d) [Repealed, § 115 ch 81 SLA 1997.]
(e) In this section, “prostate cancer screening tests” includes a prostate antigen blood test or another test that is equivalent or better in cancer detection.
2023 Alaska Statutes › Title 21. Insurance › Chapter 42. The Insurance Contract › Article 2. Specific Coverage Provisions. › Sec. 21.42.400. Coverage for reconstructive surgery following mastectomy.

A health care insurer that offers, issues for delivery, delivers, or renews in this state a health care insurance plan providing medical and surgical benefits for mastectomies shall comply with 42 U.S.C. 300gg-6 and 42 U.S.C. 300gg-52 regarding coverage for reconstructive surgery following mastectomies.
2023 Alaska Statutes › Title 21. Insurance › Chapter 42. The Insurance Contract › Article 2. Specific Coverage Provisions. › Sec. 21.42.405. High deductible health plan.

(a) A health care insurer that offers, issues, delivers, or renews a health care insurance plan in this state may apply deductible or copayment requirements to health care benefits and services that qualify the health care insurance plan as a high deductible health plan.
(b) In this section, “high deductible health plan” has the meaning given in 26 U.S.C. 223 (Internal Revenue Code).
2023 Alaska Statutes › Title 21. Insurance › Chapter 42. The Insurance Contract › Article 2. Specific Coverage Provisions. › Sec. 21.42.410. Coverage of dependent students on medically necessary leaves of absence.

A health care insurer that offers a health care insurance plan in the individual or group market shall comply with the coverage requirements for dependent students on medically necessary leaves of absence under 42 U.S.C. 300gg-54.
2023 Alaska Statutes › Title 21. Insurance › Chapter 42. The Insurance Contract › Article 2. Specific Coverage Provisions. › Sec. 21.42.420. Coverage for prescription drugs; specialty drug tiers prohibited.

A health care insurer that offers, issues, delivers, or renews a health care insurance plan in the individual or group market in the state that provides coverage for prescription drugs for which cost sharing, deductibles, or copayment obligations are determined by unique categories or specialty tiers may impose cost sharing, deductibles, or copayment obligations for a unique category or specialty tier prescription drug that exceed the dollar amount of cost sharing, deductibles, or copayment obligations, as applicable, for a nonpreferred brand drug or the drug's equivalent, but only if the insurer notifies the insured of the cost sharing, deductible, or copayment terms applicable to unique categories or specialty tiers at least 90 days before the terms apply.
2023 Alaska Statutes › Title 21. Insurance › Chapter 42. The Insurance Contract › Article 2. Specific Coverage Provisions. › Sec. 21.42.422. Coverage for telehealth.

(a) A health care insurer that offers, issues for delivery, or renews in the state a health care insurance plan in the group or individual market shall provide coverage for benefits provided through telehealth by a health care provider licensed in this state and may not require that prior in-person contact occur between a health care provider and a patient before payment is made for covered services.
(b) In this section,
(1) “health care insurer” means a person transacting the business of health care insurance, including an insurance company licensed under AS 21.09, a hospital or medical service corporation licensed under AS 21.87, a fraternal benefit society licensed under AS 21.84, a health maintenance organization licensed under AS 21.86, the Comprehensive Health Insurance Association described in AS 21.55.010, a multiple employer welfare arrangement, a church plan, and a governmental plan, except for a nonfederal governmental plan that elects to be excluded under 42 U.S.C. 300gg-21(a)(2) (Health Insurance Portability and Accountability Act of 1996);
(2) “telehealth” has the meaning given in AS 47.05.270(e).
2023 Alaska Statutes › Title 21. Insurance › Chapter 42. The Insurance Contract › Article 2. Specific Coverage Provisions. › Sec. 21.42.425. Coverage for prescription topical eye medication.

(a) A health care insurer that offers, issues for delivery, delivers, or renews a health care insurance plan in the group or individual market in the state that provides coverage for prescription topical eye medication shall allow the early refill of a prescription for a topical eye medication to treat a chronic condition before the last day of the prescribed dosage period, without regard to a coverage restriction.
(b) A covered person may request an early refill under this section
(1) not earlier than 23 days after a prescription for a 30-day supply is dispensed;
(2) not earlier than 45 days after a prescription for a 60-day supply is dispensed;
(3) not earlier than 68 days after a prescription for a 90-day supply is dispensed;
(4) if the prescriber has indicated the number of refills needed; and
(5) if the prescription topical eye medication being refilled is covered under the covered person's policy.
(c) A covered person may receive an early refill under this section not more than once during the approved dosage period.
(d) A covered person may only receive an early refill under this section if the refill does not exceed the number of refills prescribed.
2023 Alaska Statutes › Title 21. Insurance › Chapter 42. The Insurance Contract › Article 2. Specific Coverage Provisions. › Sec. 21.42.430. Coverage for anti-cancer medication.

(a) Except for a fraternal benefit society, a health care insurer that offers, issues for delivery, delivers, or renews in this state a health care insurance plan that provides coverage for anti- cancer medications that are injected or intravenously administered by a health care provider and patient-administered anti-cancer medications, including those orally administered or self-injected, may not require a higher copayment, deductible, or coinsurance amount for a patient-administered medication than it requires for an anti- cancer medication injected or intravenously administered by a health care provider, regardless of the formulation or benefit category determination by the policy or plan.
(b) A health care insurer may not offset the costs of compliance with (a) of this section by
(1) increasing the copayment, deductible, or coinsurance amount required for anti-cancer medications injected or intravenously administered by a health care provider that are covered under the health insurance plan; or
(2) reclassifying benefits with respect to anti-cancer medications.
(c) Nothing in this section prohibits a health care insurance plan from requiring different cost-sharing rates for in-network and out-of-network providers or pharmacies.
(d) In this section, “anti-cancer medication” means a drug or biologic used to kill cancerous cells, to slow or prevent the growth of cancerous cells, or to treat related side effects.
2023 Alaska Statutes › Title 21. Insurance › Chapter 42. The Insurance Contract › Article 2. Specific Coverage Provisions. › Sec. 21.42.440. Coverage for costs of services provided by pharmacists.

A policy, contract, or prepaid plan for individual or group health insurance issued or delivered in the state that provides coverage for services within the scope of practice of a pharmacist licensed under AS 08.80 must provide for coverage of and reimbursement for the services if performed by a pharmacist for a person covered under the policy, contract, or plan.
2023 Alaska Statutes › Title 21. Insurance › Chapter 42. The Insurance Contract › Article 2. Specific Coverage Provisions. › Sec. 21.42.599. Definitions.

In AS 21.42.345 - 21.42.599,
(1) “copayment” means the portion of medical care expenses in excess of the deductible to be paid by a covered individual;
(2) “deductible” means the portion of medical care expenses for which a covered individual must pay before benefits become payable;
(3) “excepted benefits” has the meaning given in AS 21.54.160;
(4) “fraternal benefit society” has the meaning given in AS 21.84.900;
(5) “health care insurance plan” has the meaning given in AS 21.54.500; “health care insurance plan” does not include short-term limited-duration insurance offered to individuals in the individual market;
(6) “health care insurer” has the meaning given in AS 21.54.500;
(7) “individual market” has the meaning given in AS 21.51.500;
(8) “placed for adoption” has the meaning given in AS 21.54.500.
2023 Alaska Statutes › Title 21. Insurance › Chapter 42. The Insurance Contract › Article 3. Compact Concerning Annuity, Life, Disability, and Long-term Care Insurance. › Sec. 21.42.705. Opt-out duties, guidelines, remedies.

(a) As a participant in the Interstate Insurance Product Regulation Compact, it is the policy of the state to opt out, and the director shall opt out, of any Uniform Standard that provides a materially lower level of protection for or materially diminishes the rights of Alaska policyholders or policy applicants under Alaska law.
(b) If the director or a court of competent jurisdiction finds that the policy set out in (a) of this section has been violated, notice of the violation shall be given to the legislature, and reasonable and prompt measures shall be taken to opt out of the Uniform Standard that does not comply with the policy statement set out in (a) of this section to the extent that such action is permissible under the Interstate Insurance Product Regulation Compact.
2023 Alaska Statutes › Title 21. Insurance › Chapter 45. Life Insurance and Annuities › Sec. 21.45.020. Standards provisions required; return and refund.

(a) A policy of life insurance, other than group and pure endowments with or without return of premiums or of premiums and interest, may not be delivered or issued for delivery in this state unless it contains in substance all of the applicable provisions required by AS 21.45.030 - 21.45.150. This section does not apply to annuity contracts or to a provision of a life insurance policy, or contract supplemental to it, relating to health insurance benefits or to additional benefits in the event of death by accident or accidental means.
(b) The provisions or portions of provisions not applicable to single premium or term policies may not to that extent be incorporated in the policy.
(c) A life insurance policy or annuity contract delivered or issued for delivery in this state and each life insurance policy or annuity contract application must contain a notice prominently printed on or attached to the first page stating
(1) on written request, an insurer is required to provide, within a reasonable time, reasonable factual information regarding the benefits and provisions of the policy or contract to the policy or contract holder; and
(2) if, for any reason, the policy or contract holder is not satisfied with the policy or contract, the policy or contract holder may return the policy or contract within 10 days after the policy or contract is delivered and, except as provided in (d) of this section, receive a refund of all money paid.
(d) For a variable life insurance policy or variable annuity contract, the refund under (c) of this section must equal the sum of
(1) the difference between the premiums paid, including any policy or contract fees or other charges and the amounts allocated to any separate accounts under the policy or contract; and
(2) the value of amounts allocated to any separate accounts on the date the returned policy is received by the insurer or its insurance producer.
2023 Alaska Statutes › Title 21. Insurance › Chapter 45. Life Insurance and Annuities › Sec. 21.45.030. Grace period.

There shall be a provision that a grace period of 30 days, or, at the option of the insurer, of one month of not less than 30 days, or of four weeks in the case of industrial life insurance policies the premiums for which are payable more frequently than monthly, is allowed within which the payment of each premium after the first premium may be made, during which period of grace the policy shall continue in full force. If a claim arises under the policy during the period of grace the amount of the premium due or overdue may be deducted from the policy proceeds.
2023 Alaska Statutes › Title 21. Insurance › Chapter 45. Life Insurance and Annuities › Sec. 21.45.040. Incontestability.

There shall be a provision that the policy, exclusive of provisions relating to health insurance benefits or to additional benefits in the event of death by accident or accidental means and except for nonpayment of premiums, is uncontestable after it has been in force during the lifetime of the insured for a period of two years from its date of issue.
2023 Alaska Statutes › Title 21. Insurance › Chapter 45. Life Insurance and Annuities › Sec. 21.45.050. Entire contract.

There shall be a provision that the policy, or the policy and the policy application if a copy of the application is endorsed upon or attached to the policy when issued, constitute the entire contract between the parties, and if the application is made a part of the policy, that all statements contained in the application shall, in the absence of fraud, be considered representations and not warranties.
2023 Alaska Statutes › Title 21. Insurance › Chapter 45. Life Insurance and Annuities › Sec. 21.45.060. Misstatement of age.

Except as provided in AS 21.45.210, there shall be a provision that if the age of the insured or of another person whose age is considered in determining the premium or benefit 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 Alaska Statutes › Title 21. Insurance › Chapter 45. Life Insurance and Annuities › Sec. 21.45.070. Dividends.

(a) Except as provided in AS 21.45.220, there shall be a provision in participating policies that, beginning not later than the end of the third policy year, the insurer shall annually ascertain and apportion the divisible surplus, if any, that will accrue on the policy anniversary or other dividend date specified in the policy if the policy is in force and all premiums to that date are paid. Except as hereinafter provided, any dividend becoming payable shall, at the option of the party entitled to elect the option, be either
(1) payable in cash; or
(2) applied to one of the other dividend options that may be provided by the policy; if any other dividend option is provided, the policy must further state which options shall be automatically effective when the party does not elect another option; if the policy specifies a period within which the other dividend option may be elected, the period may not be less than 30 days following the date on which the dividend is due and payable; the annually apportioned dividend shall be payable in cash even though the policy provides that payment of the dividend is to be deferred for a specified period if the period does not exceed six years from the date of apportionment and that interest will be added to the dividend at a specified rate; if a participating policy provides that the benefit under a paid-up nonforfeiture provision is to be participating, it may provide that any divisible surplus becoming payable or apportioned while the insurance is in force under the nonforfeiture provision shall be applied in the manner set out in the policy.
(b) In participating industrial life insurance policies, in lieu of the provision required in (a) of this section, there shall be a provision that, beginning not later than the end of the fifth policy year, the policy shall participate annually in the divisible surplus, if any, in the manner set out in the policy.
2023 Alaska Statutes › Title 21. Insurance › Chapter 45. Life Insurance and Annuities › Sec. 21.45.090. Table of values.

There shall be a table showing in figures the loan value, if required under AS 21.45.080, and the cash surrender values and nonforfeiture benefits in accordance with AS 21.45.300(b)(5), either during the first 20 policy years or during the term of the policy, whichever is shorter.
2023 Alaska Statutes › Title 21. Insurance › Chapter 45. Life Insurance and Annuities › Sec. 21.45.110. Reinstatement.

Except as provided in AS 21.45.230, there shall be a provision that unless (1) the policy has been surrendered for its cash surrender value, (2) its cash surrender value has been exhausted, or (3) the paid-up term insurance, if any, has expired, the policy will be reinstated at any time within three years, or two years in the case of industrial life insurance policies, from the date of premium default upon written application, the production of evidence of insurability satisfactory to the insurer, the payment of all premiums in arrears with interest at a rate not exceeding six percent a year compounded annually, and the payment or reinstatement of interest due to the insurer on a loan on the policy with interest as provided in AS 21.45.080(c).
2023 Alaska Statutes › Title 21. Insurance › Chapter 45. Life Insurance and Annuities › Sec. 21.45.130. Payment of claims.

There shall be a provision that when a policy becomes a claim by the death of the insured, settlement shall be made upon receipt of due proof of death and, at the insurer's option, surrender of the policy, proof of the interest of the claimant, or both. If an insurer specifies a particular period before the expiration of which settlement shall be made, the period may not exceed two months from the receipt of the proofs.
2023 Alaska Statutes › Title 21. Insurance › Chapter 45. Life Insurance and Annuities › Sec. 21.45.140. Beneficiary, industrial policies.

An industrial life insurance policy must have the name of the beneficiary designated on it with a reservation of the right to designate or change the beneficiary after the issuance of the policy. The policy may also provide that no designation or change of beneficiary shall be binding on the insurer until endorsed on the policy by the insurer, and that the insurer may refuse to endorse the name of proposed beneficiary who does not appear to the insurer to have an insurable interest in the life of the insured. The policy may also provide that if the beneficiary designated in the policy does not make a claim under the policy or does not surrender the policy with due proof of death within the period stated in the policy, which may not be less than 30 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, the insurer may pay the proceeds to the executor or administrator of the insured, or to any relative of the insured by blood or legal adoption or connection by marriage, or to any person appearing to the insurer to be equitably entitled to the proceeds 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 other payments due under the policy.
2023 Alaska Statutes › Title 21. Insurance › Chapter 45. Life Insurance and Annuities › Sec. 21.45.160. Excluded or restricted coverage.

A clause in a policy of life insurance stating that the policy shall be incontestable after a specified period precludes only a contest of the validity of the policy and does not preclude the assertion at any time of defenses based upon provisions in the policy that exclude or restrict coverage, whether or not the restrictions or exclusions are excepted in such clause.
2023 Alaska Statutes › Title 21. Insurance › Chapter 45. Life Insurance and Annuities › Sec. 21.45.170. Standard provisions: annuity and pure endowment contracts.

(a) An annuity or pure endowment contract, other than a reversionary annuity, survivorship annuity, or group annuity, may not be delivered or issued for delivery in this state unless it contains in substance each of the provisions specified in AS 21.45.180 - 21.45.230, except that if a provision is not applicable to single premium annuities or single premium pure endowment contracts it may not be incorporated into the contract.
(b) This section does not apply to contracts for deferred annuities included in or upon the lives of beneficiaries under, life insurance policies.
2023 Alaska Statutes › Title 21. Insurance › Chapter 45. Life Insurance and Annuities › Sec. 21.45.180. Grace period: annuities.

In an annuity or pure endowment contract, other than a reversionary, survivorship, or group annuity, there shall be a provision for a grace period of one month, but not less than 30 days, within which a stipulated payment other than the first one may be made, subject at the option of the insurer to make an interest charge on the late payment at a rate to be specified in the contract, but not exceeding six percent a year, for the number of days of grace elapsing before the payment, during which period of grace the contract shall continue in full force, but in case a claim arises under the contract on account of death before expiration of the period of grace before the overdue payment to the insurer or the deferred payments of the current contract year, if any, are made, the amount of the payments, with interest on any overdue payments, may be deducted from the amount payable under the contract in settlement.
2023 Alaska Statutes › Title 21. Insurance › Chapter 45. Life Insurance and Annuities › Sec. 21.45.190. Incontestability: annuities.

Except as provided in AS 21.45.210, if any statements, other than those relating to age, sex, and identity are required as a condition to issuing an annuity or pure endowment contract, other than a reversionary, survivorship, or group annuity, there shall be a provision that the contract is incontestable after it has been in force during the lifetime of the person or of each of the persons as to whom the statements are required, for a period of two years from its date of issue, except for nonpayment of stipulated payments to the insurer; and at the option of the insurer the contract may also except provisions relative to benefits in the event of disability and provisions that grant insurance specifically against death by accident or accidental means.
2023 Alaska Statutes › Title 21. Insurance › Chapter 45. Life Insurance and Annuities › Sec. 21.45.200. Entire contract.

In an annuity or pure endowment contract, other than a reversionary, survivorship, or group annuity, there shall be a provision that the contract constitutes the entire contract between the parties or, if a copy of the application is endorsed upon or attached to the contract when issued, there shall be a provision that the contract and the application constitute the entire contract between the parties.
2023 Alaska Statutes › Title 21. Insurance › Chapter 45. Life Insurance and Annuities › Sec. 21.45.210. Misstatement of age or sex: annuities.

In an annuity or pure endowment contract, other than a reversionary, survivorship, or group annuity, there shall be a provision that if the age or sex of the person or persons upon whose life or lives the contract is made, or of any of them, has been misstated, the amount payable or benefits accruing under the contract shall be such as the stipulated payment or payments to the insurer would have purchased according to the correct age or sex and that if the insurer makes or has made an overpayment or overpayments on account of a misstatement, the amount of the overpayment, with interest at the rate to be specified in the contract but not exceeding six percent a year, may be charged against the current or next succeeding payment or payments to be made by the insurer under the contract.
2023 Alaska Statutes › Title 21. Insurance › Chapter 45. Life Insurance and Annuities › Sec. 21.45.220. Dividends: annuities.

If an annuity or pure endowment contract, other than a reversionary, survivorship, or group annuity, is participating, there shall be a provision that the insurer shall annually ascertain and apportion any divisible surplus accruing on the contract.
2023 Alaska Statutes › Title 21. Insurance › Chapter 45. Life Insurance and Annuities › Sec. 21.45.230. Reinstatement: annuities.

In an annuity or pure endowment contract, other than a reversionary, survivorship, or group annuity, there shall be a provision that the contract may be reinstated at any time within one year from the default in making stipulated payments to the insurer, unless the cash surrender value had been paid, if all overdue stipulated payments and any indebtedness to the insurer on the contract are paid or reinstated with interest at a rate to be specified in the contract, not exceeding six percent a year payable annually. Where applicable the insurer may also include a requirement of evidence of insurability satisfactory to the insurer.