Idaho Administrative Code › Title IDAPA 18 - Insurance, Department of › Rule 18.04.03 - ADVERTISEMENT OF DISABILITY (ACCIDENT AND SICKNESS) INSURANCE › Section 18.04.03.013 - ADVERTISEMENTS OF BENEFITS PAYABLE, LOSSES COVERED OR PREMIUMS PAYABLE

Current through August 31, 2023
01.
Prohibitions
. Deceptive
			 words, phrases or illustrations banned: (3-31-22)
a. No advertisement will contain or use words
			 or phrases such as, "all"; "full"; "complete"; "comprehensive"; "unlimited";
			 "up to"; "as high as"; "this policy will help pay your hospital and surgical
			 bills"; "this policy will help fill some of the gaps that Medicare and your
			 present insurance leave out"; "this policy will help to replace your income" or
			 similar words and phrases, in a manner that exaggerates any benefits beyond the
			 terms of the policy. (3-31-22)
b.
			 An advertisement will not contain descriptions of a policy limitation,
			 exception, or reduction, worded in a positive manner to imply that it is a
			 benefit. Words and phrases used in an advertisement to describe such policy
			 limitations, exceptions and reductions should fairly and accurately describe
			 the negative features of such limitations, exceptions and reductions of the
			 policy offered. (3-31-22)
c. No
			 advertisement of a benefit for which payment is conditional upon confinement in
			 a hospital or similar facility will use words or phrases that have the
			 capacity, tendency or effect of misleading the public into believing that the
			 policy advertised will, in some way, enable them to make a profit from being
			 hospitalized. (3-31-22)
d. No
			 advertisement of a hospital or other similar facility benefit will advertise
			 that the amount of the benefit is payable on a monthly or weekly basis when, in
			 fact, the amount of the benefit payable is based upon a daily pro - rata basis
			 relating to the number of days of confinement. When the policy contains a limit
			 on the number of days of coverage provided, such limit needs to appear in the
			 advertisement. (3-31-22)
e. No
			 advertisement of a policy covering only one (1) disease or a list of specified
			 diseases will imply coverage beyond the terms of the policy.
			 (3-31-22)
f. An advertisement for a
			 policy providing benefits for specified illnesses only, or for specified
			 accidents only, will clearly and conspicuously in prominent type, state the
			 limited nature of the policy. The statement will be in language identical to,
			 or substantially similar to the following: "THIS IS A LIMITED POLICY"; "THIS IS
			 A CANCER ONLY POLICY"; "THIS IS AN AUTOMOBILE ACCIDENT ONLY POLICY."
			 (3-31-22)
g. No advertisement of a
			 direct response insurance product will imply that because "no insurance agent
			 will call and no commissions will be paid to agents" that it is a "low cost
			 plan," or use other similar words. (3-31-22)
h. No advertisement will contain or use words
			 or phrases such as, "Medicare supplement"; "Medigap"; "this policy will help
			 fill some of the gaps that Medicare leaves out"; or similar words and phrases,
			 unless the policy is issued in compliance with IDAPA 18.04.10.
			 (3-31-22)
i. An advertisement will
			 clearly state the type of insurance coverage being offered.
			 (3-31-22)