Illinois Administrative Code › Title 50 - INSURANCE › Part 2603 - UNFAIR DISCRIMINATION BASED ON SEX, SEXUAL ORIENTATION, GENDER IDENTITY OR MARITAL STATUS › Section 2603.30 - Prohibited Practices

Current through Register Vol. 48, No. 28, July 12, 2024
No company shall refuse to issue any contract of insurance,
				certificate of insurance, notices of proposed insurance, policies, endorsements
				or riders or decline to renew a contract, certificate, notice, policy,
				endorsement or rider because of the sex, sexual orientation or marital status
				of the insured or prospective insured. The amount of benefits payable or any
				term, condition or type of coverage shall not be restricted, modified, excluded
				or reduced on the basis of the sex, sexual orientation or marital status of the
				insured or prospective insured. All underwriting criteria shall be applied in
				all instances of similar circumstances without regard to the sex, sexual
				orientation or marital status of the insured or prospective insured. When
				benefits for elective procedures are offered, they must be offered
				equally.
a) Examples of the practices
			 prohibited by this Section include, but are not limited to:
1) Offering coverage to males gainfully
			 employed at home, employed part-time or employed by relatives, while denying or
			 offering reduced coverage to females similarly employed;
2) Denying policy riders because of an
			 individual's sex, sexual orientation or marital status;
3) Denying, cancelling or refusing to renew
			 coverage, or providing coverage on different terms, because the insured or
			 prospective insured is residing with another person or persons of either sex
			 not related by blood or marriage;
4) Reducing disability benefits for women who
			 become disabled while not gainfully employed full-time outside the home when a
			 similar reduction is not applied to men;
5) Restricting availability of maternity
			 coverages or benefits based upon marital status;
6) Offering dependent coverage to wives of
			 male employees while denying dependent coverage to husbands of female
			 employees;
7) Establishment of
			 different conditions or benefit options based on an individual's sex, sexual
			 orientation or marital status. This includes more restrictive benefit periods
			 and more restrictive definitions of disability to women than to men, except as
			 permitted by this Part;
8)
			 Requiring an applicant to submit to a medical examination because of the
			 applicant's sex, sexual orientation or marital status;
9) Denying to divorced or single persons
			 coverage available to married persons;
10) Denying disability income contracts of
			 insurance, certificates of insurance, notices, policies, riders or endorsements
			 to those in similar occupational classifications because of an individual's
			 sex, sexual orientation or marital status;
11) Considering that portion of treatment
			 attributed to complications of pregnancy in a manner different than any other
			 illness or sickness covered by the contract, certificate, notice, policy,
			 endorsement or rider;
12) Limiting
			 the amount of coverage an insured or prospective insured may purchase based
			 upon the sex, sexual orientation or marital status of the insured or
			 prospective insured;
13) Denying
			 maternity coverage to an individual who has not purchased dependent or family
			 coverage when maternity coverage is otherwise available.