CHAPTER Ins
4700 TRAVEL INSURANCE
Statutory
Authority: RSA 400-A:15, I; RSA 402-L
PART Ins
4701 BLANKET AND GROUP
ACCIDENT AND HEALTH TRAVEL INSURANCE
Ins 4701.01 Purpose. The
purpose of this part is to implement the provisions of RSA 402-L and RSA
415:18, I-a. (e) to standardize and
simplify the terms and provisions of blanket and group accident and health
travel insurance policies covering accidental death and dismemberment, any
financial loss incurred for medical and dental care, and disability while on a
planned trip away from an individual's home or usual place of work for trips
lasting less than 12 months in duration, and to establish standards for the
commissioner’s approval of forms and rates under RSA 415:1 and RSA 402-L:5, II.
Source.
#10681, eff 11-3-14; ss by #13989, eff 5-29-24
Ins 4701.02 Applicability and Scope.
(a) This part shall apply to all blanket and group accident and health
travel insurance policies delivered or issued for delivery in this
state. Blanket and group accident and health travel insurance
policies that meet the provisions of this part shall not be regulated as major
medical coverage as set forth under RSA 420-G.
(b) Blanket and group accident and health travel
insurance policies issued under Ins 4701 may be written independently or in
combination with personal inland marine travel insurance coverage.
(c) When a blanket and group accident and health
travel insurance policy is written in combination with personal inland marine
travel insurance coverage:
(1) A
separate property and casualty filing
shall be required for review and approval of the personal inland marine travel insurance coverage;
(2) The property and casualty
provisions of the policy shall meet the requirements of Ins 4703; and
(3) The
accident and health provisions of the policy shall meet the requirements of Ins
4701.
Source.
#10681, eff 11-3-14; ss by #13989, eff 5-29-24
Ins 4701.03 Definitions. For
the purposes of blanket and group accident and health travel insurance
policies:
(a) “Accident” means any
unforeseen or unplanned event or circumstance that results in injury and associated
financial loss. The term includes “accidental;”
(b) “Covered person” means an
individual that is covered under a blanket or group accident and health travel
insurance policy. The term includes “covered individual;”
(c) “Description of coverage” means a
document that provides a brief description of the insurance coverage available
under the policy and is issued to individual members of a group or organization
that are covered under a blanket or group accident and health travel insurance
policy;
(d) “Personal inland
marine travel insurance” means coverage as defined in Ins 4703.03(c);
(e) “Policyholder” means the agency,
organization, or eligible group as defined in RSA 402-L:2, VII, in whose name
the policy is issued and held; and
(f) "Sickness" means any
affliction of the body which deprives it temporarily of the power to fulfill
its usual functions.
Source.
#10681, eff 11-3-14; ss by #13989, eff 5-29-24
Ins 4701.04 Filing Requirements. No
policy or certificate of coverage or description of coverage of blanket or
group accident and health travel insurance shall be issued or delivered to any
person or entity in this state, nor shall any application, rider, or
endorsement be used in connection therewith, until a copy of the policy form,
description of coverage form, and premium rates have been filed with and
approved by the commissioner pursuant to RSA 415:1. The commissioner shall approve a filing that
complies with these rules, unless the filing meets any of the standards
pursuant to RSA 415:2, I.
Source.
#10681, eff 11-3-14; ss by #13989, eff 5-29-24
Ins
4701.05 Coverage
Filing Requirements.
(a) Blanket and group accident and health travel
insurance benefits shall be payable in connection with a covered trip,
involving travel away from a covered individual's home or usual place of
business for a specified time.
(b) Coverage may be issued to cover foreign and
domestic travel.
(c) Blanket and group travel health insurance may
provide coverage, as set forth in the policy, for dependents or travel
companions for claims incurred by them while on a covered trip.
(d) The duration of the policy coverage
shall not exceed the end of the scheduled period of a covered trip for any
covered person, unless:
(1) Arrival
at the covered individual’s final destination occurs
before the scheduled trip end date, in which case the coverage period may end at the
time the individual arrives at the final destination;
or
(2) Arrival
at the covered individual’s final destination is
delayed for a covered reason, in which case the coverage period may be extended until
the individual arrives at the final destination.
Source.
#10681, eff 11-3-14; ss by #13989, eff 5-29-24
Ins 4701.06 Policy and Minimum Benefit
Requirements.
(a) When the blanket or group accident and health
travel insurance policy provides any of the following benefits, it shall meet
the applicable minimum benefit standards per covered person:
(1) Accidental death benefits with a
minimum death loss benefit of $10,000;
(2) Dismemberment benefits with a
minimum benefit amount of $2,500 per limb and $1,000
per digit;
(3) Medical expense benefits with
a minimum benefit of $10,000 per occurrence; and
(4) Disability benefits with a minimum of 4 weeks of
periodic income benefits for total disability.
(b) Policies shall provide for a pro rata refund of
unearned premium upon cancellation of the policy.
(c) Policies shall provide primary coverage for all
benefits payable under the policy.
(d) Policies providing disability benefits shall:
(1) Include a definition for total disability
that complies with Ins 6205.02;
(2) If offered, comply with definitions of
partial or other levels of disability benefits in Ins 6205.02;
(3) Clearly identify the various income sources
or components that are considered earnings;
(4) Clearly explain the calculation of
pre-disability earnings and benefit amounts;
(5) Include a detailed explanation of how claims
are administered; and
(6) Limit any reduction in benefits, if any, to
those permitted in Ins 6205.05(c).
Source.
#10681, eff 11-3-14; ss by #13989, eff 5-29-24
Ins 4701.07 Prohibited Policy Provisions, Exclusions, and
Limitations.
(a) Blanket and group accident and health travel insurance
policies shall not contain provisions that:
(1) Guarantee
policy renewal;
(2) Apply
preexisting condition exclusions or limitations;
(3) Charge
deductibles or co-pays;
(4) Provide
that the coverage under the policy shall be excess coverage;
(5) Contain
coordination of benefits language;
(6) Require
a waiting or probationary period for coverage;
(7) Charge a
penalty or administrative fee for trip cancellation or early termination by the
policyholder, its affiliates, or the covered individual;
(8) Retain unearned
premium payments when a trip is cancelled or terminated by the policyholder, or
its affiliates;
(9) Exclude
recreational activities associated with travel and vacationing, except for
high-risk sports or activities as set forth in (b)(4);
(10) Use words
such as “violent,” “external,” “visible wounds," or similar words of
description or characterization to describe accidental injury or accidental
means and to limit coverage;
(11) Define
sickness to be more restrictive than the definition of sickness in this part;
(12) Reduce
coverage based on the age of the insured; or
(13) Reduce
or modify indemnity-based benefits based on receipt of any insurance coverage
under the blanket or group accident and health travel insurance policy or any
other insurance policy.
(b) Blanket and group accident and health travel
insurance coverage written under this part shall not limit or exclude coverage
except where arising out of or related to any of the
following:
(1) Mental or
emotional disorders and substance misuse disorders;
(2) Driving
under the influence of alcohol, or drugs, or any combination thereof;
(3) Sickness, treatment, or
medical condition arising out of:
a. War or act of war whether declared or undeclared, participation in a felony,
riot, or insurrection, or service in the armed forces or units
auxiliary to it;
b. Suicide,
attempted suicide, or intentionally self-inflicted injury whether the insured
is sane or insane; or
c. Aviation,
except as a fare-paying passenger;
(4) Participation in
high-risk sports or activities including technical rock climbing, professional
sports, aerial acrobatic sports, skydiving, caving,
scuba diving at depth greater than 100 feet, or other extreme sports or
activities;
(5) Financial
loss for planned medical, dental, or cosmetic care or treatment when the purpose
of the trip is to receive such medical, dental, or cosmetic care or treatment;
(6) Travel
to or through a country that is, at the time of insurance purchase, under or
subject to travel warning, advisory, or restriction issued by the United
States Department of State, where the loss is directly or indirectly related to
the conditions that caused the travel warning, advisory, or restriction to be
issued; or
(7) A circumstance
where the issuance of coverage or provision of payment of benefits would
violate any applicable law, including without limitation to any United States
economic or trade sanctions.
Source.
#10681, eff 11-3-14; ss by #13989, eff 5-29-24
Ins 4701.08 Description of Coverage. A
description of coverage form shall be provided to all covered persons containing the following information:
(a) A heading included at the top of
the description that contains the company name and the following text:
“[COMPANY NAME]
BLANKET AND GROUP TRAVEL HEALTH
INSURANCE COVERAGE
Description of Coverage”
(b) The statement: “It is important that you understand the provisions
and exclusions that are included in your blanket travel health coverage
policy;”
(c) A specific description of all the benefits
contained in the policy and the benefit amounts for all coverage provided;
(d) A specific description of any policy
provisions that exclude, eliminate, restrict, reduce, limit, delay, or in any
other manner operate to qualify
payment of the benefits contained in the policy; and
(e) The company claim
contact information, the name and address of the insurance company, and a
toll-free telephone number which shall be prominently displayed.
Source.
#10681, eff 11-3-14; ss by #13989, eff 5-29-24 (formerly Ins 4701.09)
Ins 4701.09 Claim Settlement. Blanket
and group accident and health travel insurance claims shall be subject to Ins
1001 on claim settlements.
Source.
#10681, eff 11-3-14; ss by #13989, eff 5-29-24 (formerly Ins 4701.10)
PART Ins 4702 INDIVIDUAL ACCIDENT AND HEALTH TRAVEL
INSURANCE
Ins 4702.01 Purpose. The
purpose of this part is to implement the provisions of RSA 402-L and RSA 415:6
to standardize and simplify the terms and provisions of individual accident and
health travel insurance policies covering accidental death and dismemberment,
and financial loss incurred for medical and dental care while on a planned trip
away from an individual's home or usual place of work for trips lasting less
than 12 months in duration, and to establish standards for the commissioner’s
approval of forms and rates under RSA 415:1 and RSA 402-L:5, II.
Source.
#10681, eff 11-3-14; ss by #13989, eff 5-29-24
Ins 4702.02 Applicability and Scope.
(a) This part shall apply to all individual accident and health travel
insurance policies delivered or issued for delivery in this state on or after
the effective date of this part. Individual accident and health
travel insurance policies that meet the provisions of this part shall not be
regulated as major medical coverage as set forth under RSA 420-G.
(b) Individual accident and health travel insurance
policies issued under Ins 4702 may be written independently or in combination
with personal inland marine travel insurance coverage.
(c) When an individual accident and health travel insurance policy is
written in combination with personal inland marine travel insurance coverage:
(1) A
separate property and casualty filing shall be required for review and approval
of the personal inland marine travel insurance coverage;
(2) The
property and casualty provisions of the policy shall meet the requirements of
Ins 4703; and
(3) The accident and health provisions of the
policy shall meet the requirements of Ins 4702.
Source.
#10681, eff 11-3-14; ss by #13989, eff 5-29-24
Ins 4702.03 Definitions. For
the purposes of this part:
(a) “Accident" means any unforeseen or
unplanned event or circumstance that results in injury and associated financial loss. The
term includes “accidental;”
(b) “Covered person” means an individual that is
covered under an individual accident and health travel insurance policy. The term
includes “covered individual;”
(c) “Description of coverage” means a
document that provides a brief description of the insurance coverage available
under the policy and is issued to an individual covered under an individual
accident and health travel insurance policy;
(d) "Individual accident and
health travel insurance" means coverage providing for a loss incurred
incidental to planned travel away from home or business, for less than 12
months in duration, for sickness, accident, disability, or death occurring
during travel. Individual accident and health travel insurance does
not include personal inland marine travel insurance coverage except as
permitted in this part;
(e) “Personal inland marine travel insurance” means
coverage as defined in Ins 4703.03(c);
(f) “Policyholder” means the individual
in whose name the policy is issued and held; and
(g) "Sickness" means any
affliction of the body which deprives it temporarily of the power to fulfill
its usual functions.
Source.
#10681, eff 11-3-14; ss by #13989, eff 5-29-24
Ins 4702.04 Filing Requirements. No
policy of individual accident and health travel insurance shall be issued or delivered to any person or
entity in this state, nor shall any application, rider or endorsement be used
in connection therewith until a copy of the policy form, description of
coverage form and premium rates, have been filed with and approved by the
commissioner pursuant to RSA 415:1.
The commissioner shall approve a filing that complies with these rules,
unless the filing meets any of the standards pursuant to RSA 415:2, I.
Source.
#10681, eff 11-3-14; ss by #13989, eff 5-29-24
Ins 4702.05 Coverage Filing Requirements.
(a) Individual accident and health travel
insurance benefits shall be payable in connection with a covered trip,
involving travel away from a covered
individual's home or usual place of business for a specified time.
(b) Coverage may be issued to cover foreign and
domestic travel.
(c) Individual accident and health travel
insurance may provide coverage, as set forth in the policy, for dependents or travel companions for claims
incurred by them while on a covered trip.
(d) The duration of the policy coverage shall
not exceed the end of the scheduled period of a covered trip for any covered person unless:
(1) Arrival
at the covered individual’s final destination occurs
before the scheduled trip end date, in which case the coverage period may end
at the time the individual arrives at the final destination;
or
(2) Arrival
at the covered individual’s final destination is
delayed for a covered reason, in which case the coverage period may be extended
until the individual arrives at the final destination.
Source.
#10681, eff 11-3-14; ss by #13989, eff 5-29-24
Ins 4702.06 Policy and Minimum Benefit
Requirements.
(a) When the individual accident and health
travel insurance policy provides any of the following benefits, it shall meet
the applicable minimum benefit standards per covered person:
(1) Accidental
death benefits with a minimum death loss benefit of $10,000;
(2) Dismemberment benefits with a minimum benefit
amount of $2,500 per limb and $1,000 per digit;
(3) Medical
expense benefits with a minimum benefit of $10,000 per occurrence; and
(4) Disability benefits with a minimum of 4 weeks
of periodic income benefits for total disability.
(b) Policies shall provide for
a pro rata refund of unearned premium upon cancellation of the policy.
(c) Policies shall provide primary coverage for
all benefits payable under the policy.
(d) Policies providing disability benefits
shall:
(1) Include a definition for total disability
that complies with Ins 6205.02;
(2) If offered, comply with definitions of
partial and other levels of disability benefits in Ins 6205.02;
(3) Clearly
identify the various income sources or components that are considered earnings;
(4) Clearly
explain the calculation of pre-disability earnings and benefit amounts;
(5) Include
a detailed explanation of how claims are administered; and
(6) Limit any reduction in benefits, if any, to
those permitted in Ins 6205.04(e).
Source.
#10681, eff 11-3-14; ss by #13989, eff 5-29-24
Ins 4702.07 Prohibited Policy Provisions,
Exclusions, and Limitations.
(a) An individual accident and health travel
insurance policy shall not contain provisions that:
(1) Guarantee
policy renewal;
(2) Apply preexisting condition
exclusions or limitations;
(3) Charge deductibles or co-pays;
(4) Provide that coverage under the policy shall
be excess coverage;
(5) Contain coordination of benefit
language;
(6) Require a waiting or probationary period for
coverage;
(7) Charge a penalty or
administrative fee for trip cancellation or early termination by the
policyholder, its affiliates, or the covered individual;
(8) Exclude
recreational activities associated with travel and vacationing, except for
high-risk sports or activities as set forth in Ins 4702.07(b)(4);
(9) Use words such
as "violent," “external,” "visible wounds," or similar
words of description or characterization to describe accidental injury or
accidental means and to limit coverage;
(10) Define sickness
to be more restrictive than the definition of sickness in this part;
(11) Reduce coverage
based on the age of the insured; or
(12) Reduce
or modify indemnity-based benefits based on receipt of any insurance coverage
under the blanket or group accident and health travel insurance policy or any
other insurance policy.
(b) An individual accident and health insurance
travel policy that includes health insurance shall not limit or exclude
coverage except when arising out of or related to any of the following:
(1) Mental or
emotional disorders and substance misuse disorders;
(2) Driving
under the influence of alcohol, drugs, or any combination thereof;
(3) Sickness,
treatment, or medical condition arising out of:
a. War or
act of war whether declared or undeclared, participation in a felony, riot, or
insurrection, service in the armed forces or units
auxiliary to it;
b. Suicide,
attempted suicide, or intentionally self-inflicted injury, whether the insured
is sane or insane; or
c. Aviation,
except as a fare-paying passenger;
(4) Participation
in high-risk sports or activities, including technical rock climbing,
professional sports, aerial acrobatic sports, skydiving, caving,
scuba diving at depth greater than 100 feet, or other
extreme sports or activities;
(5) Financial loss
for planned medical, dental, or cosmetic care or treatment when the purpose of
the trip is to receive such medical, dental, or cosmetic care or treatment;
(6) Travel
to or through a country that is, at the time of insurance purchase, under or
subject to a travel warning, advisory, or restriction issued by the United
States Department of State where the loss is directly or indirectly
related to the conditions that caused the travel warning, advisory, or
restriction to be issued; or
(7) A circumstance where
the issuance of coverage or provision of payment of benefits would violate any
applicable law, including without limitation any United
States economic or trade sanctions.
Source.
#10681, eff 11-3-14; ss by #13989, eff 5-29-24
Ins 4702.08 Description of Coverage. A
description of coverage form shall be provided to all covered persons containing the following information:
(a) A heading at the top of the description
containing the company name and the following text:
“[COMPANY NAME]
TRAVEL INSURANCE
COVERAGE
Description of Coverage”
(b) The statement: “It is important that
the insured understands the provisions and exclusions included within the
individual accident and health travel insurance policy;”
(c) A specific description of all the benefits
contained in the policy and the benefit amounts for all coverage provided;
(d) A specific description of any policy
provisions that exclude, eliminate, restrict, reduce, limit, delay, or in any
other manner operate to qualify payment of the benefits contained in the
policy; and
(e) The company claim
contact information, the name and address of the company, and a toll-free
telephone number which shall be prominently displayed.
Source.
#10681, eff 11-3-14; amd by #12686, eff
12-3-18; ss by #13989, eff 5-29-24 (formerly Ins 4702.09)
Ins 4702.09 Claim
Settlement. Individual accident and health travel insurance
claims shall be subject to Ins 1001 on claim settlements.
Source.
#10681, eff 11-3-14; ss by #13989, eff 5-29-24 (formerly Ins 4702.10)
PART Ins
4703 PERSONAL INLAND MARINE TRAVEL INSURANCE
Ins 4703.01 Purpose. The purpose of
this part is to implement the provisions of RSA 402-L and RSA 412:2 to
standardize and simplify the terms and provisions of blanket, group, or
individual personal inland marine travel insurance policies covering personal
risks incidental to planned travel for trips lasting less than 12 months in
duration, and to establish standards for the commissioner's approval of forms
and rates under RSA 412:5, 412:15, 412:16, 412:19, RSA 415:1, and RSA 415-A
governing forms and rates.
Source.
#10681, eff 11-3-14; ss by #13989, eff 5-29-24
Ins 4703.02 Applicability and Scope.
(a) This part shall apply to all blanket, group,
or individual inland marine travel insurance policies delivered or issued for
delivery in this state on or after the effective date of this part.
(b) Inland marine travel insurance, as defined
in Ins 4703.03(c), shall constitute a line of personal inland marine insurance
and shall be filed and regulated as such.
(c) An inland marine travel insurance policy may
include coverage for accidental death and dismemberment, sickness and accident
medical care, and disability if this coverage does not exceed the limits set
forth in Ins 4703.06(d).
(d) When an inland marine travel insurance
policy includes coverage for accidental death and dismemberment, sickness and
accident medical care, and disability that does not exceed the limits of Ins
4703.06(d), no separate accident and health filing shall be required and such
coverage:
(1) Shall be
treated as short-term or incidental coverage to property and casualty
coverages; and
(2) Shall
not be subject to RSA 415, RSA 415-A, or RSA 420-G.
(e) When an inland marine travel insurance
policy is written in combination with coverage for accidental death and
dismemberment, sickness and accident medical care, and disability that exceeds
the limits set forth in Ins 4703.06(d), the insurer shall file a separate
accident and health filing meeting the requirements of either Ins 4701 or Ins
4702.
Source.
#10681, eff 11-3-14; ss by #13989, eff 5-29-24
Ins 4703.03 Definitions. For
the purposes of this part:
(a) "Covered person" means an
individual that is covered under an inland marine travel insurance
policy. The term includes "covered individual;"
(b) "Description of coverage" means a
document that provides a brief description of the insurance coverage available
under the policy and is issued to an individual policyholder or members of a
group or organization that are covered under a blanket or group personal inland
marine travel insurance policy. The term includes "certificate
of coverage;"
(c) "Personal inland marine travel
insurance" means coverage for personal loss that occurs incidental
to planned travel away from home or business as described in this
part. The term includes "inland marine travel insurance;"
and
(d) "Policyholder" means the
individual, travel agency, organization, or other eligible group as defined in
RSA 402-L:2, VII, in whose name the policy is issued and held.
Source.
#10681, eff 11-3-14; ss by #13989, eff 5-29-24
Ins 4703.04 Filing Requirements. Forms
and rates shall be filed consistent with RSA 412.
Source.
#10681, eff 11-3-14; ss by #13989, eff 5-29-24
Ins 4703.05 Coverage Filing Requirements.
(a) Inland marine travel insurance shall be
payable in connection with a covered trip, involving:
(1) Travel
away from a covered individual’s home for a specified time; or
(2) Travel
away from a covered individual’s place of business for a specified
time.
(b) Coverage may be issued to cover foreign and
domestic travel.
(c) The duration of the policy coverage shall
not exceed the end of the scheduled period of a covered trip as provided during
the individual’s insurance application process, including any revisions to such
period prior to the date of departure unless:
(1) Arrival
at the covered individual's final destination occurs
before the scheduled trip end date, in which case the coverage period may end
at the time the individual arrives at the final destination;
or
(2) Arrival
at the covered individual’s final destination is
delayed for a covered reason, in which case the coverage period may be extended
until the individual arrives at the final destination;
and
(d) The policy may be issued based upon the
duration of the trip or may be issued on a monthly or annual basis, so long as
coverage is only applicable to losses occurring on a covered trip.
(e) Coverage for dependents or travel companions
shall be allowed so long as the coverage is defined and covers only individuals
traveling on a covered trip.
(f) Inland marine travel insurance may provide
coverage for any or all of the following:
(1) Interruption,
delay, or cancellation of trip or event;
(2) Loss or
delay of baggage or personal effects;
(3) Damages
to accommodations or rental vehicles;
(4) Emergency
evacuation;
(5) Repatriation
of remains;
(6) Sickness, accident, disability, or death; or
(7) Any other contractual obligations to
indemnify or pay a specified amount to the traveler upon
determinable contingencies related to travel.
(g) Indemnity insurance within an inland marine
travel policy shall not be reduced or modified based on receipt of any other
income or any other benefits other than refunds, reimbursements, credits, or
vouchers for travel made available to the insured from the insured’s travel
agent, travel carrier, or other travel service provider provided that, nothing
contained in the foregoing shall require an insurer to reimburse a covered
individual in an amount greater than that covered individual’s actual loss.
Source.
#10681, eff 11-3-14; ss by #13989, eff 5-29-24
Ins 4703.06 Policy and Minimum Benefit
Requirements. Inland marine travel insurance coverage shall:
(a) Conform to the policy cancellation
requirements of RSA 402-L:7, III(c) and RSA 417-B;
(b) Provide valuation of lost or damaged
personal or business personal property on either an actual cash value basis or
based on the cost to repair or replace the property;
(c) For inland marine travel insurance policies
that include coverage for lost or damaged personal or business property,
provide a minimum coverage limit for such lost or damaged property of at least
$500;
(d) For inland marine travel insurance policies
that include coverage for sickness and accident medical care, accidental death
and dismemberment, and disability, provide such coverage with limits not
exceeding $50,000 in aggregate, exclusive of the costs of any medical
transportation necessary to address sickness or accident medical care;
(e) For inland marine travel insurance policies
that include trip cancellation or trip interruption benefits, provide
reimbursement up to the coverage limit of the policy for the lesser of:
(1) The
actual cost of the insured fare; or
(2) The
actual loss incurred by the policyholder or covered individual, inclusive of
any refunds received or credits toward future travel; and
(f) Provide to the consumer
access to a toll-free telephone number, staffed by the insurer 7 days a week,
24 hours a day, and prominently display this toll-free number in the policy.
Source.
#10681, eff 11-3-14; ss by #13989, eff 5-29-24
Ins 4703.07 Prohibited Policy Provisions,
Exclusions, and Limitations. An inland marine travel insurance
policy shall not contain provisions that:
(a) Guarantee policy renewal;
(b) Charge a penalty or administrative fee for
trip cancellation by the covered individual;
(c) Retain unearned premium payments when the trip is
cancelled or terminated by the group policyholder or its affiliates; or
(d) Reduce coverage based on the age of the
insured.
Source.
#10681, eff 11-3-14; ss by #13989, eff 5-29-24
Ins 4703.08 Description of Coverage. A
description of coverage form shall be provided to all covered persons containing each item prescribed below:
(a) A heading shall be included at the top of
the description that contains the company name and the following text:
“[COMPANY NAME]
TRAVEL INSURANCE
COVERAGE
Description of Coverage”
(b) The statement: “It is important that you
understand the provisions and exclusions that are included in your travel
insurance plan;”
(c) A specific description of all the benefits
contained in the policy and the benefit amounts for all coverage provided;
(d) A specific description of any policy
provisions that exclude, eliminate, restrict, reduce, limit, delay, or in any
other manner operate to qualify payment of the benefits contained in the
policy; and
(e) The company claim
contact information, the name and address of the company, and a toll-free
telephone number all prominently displayed.
Source.
#10681, eff 11-3-14; amd by #12686, eff
12-3-18; ss by #13989, eff 5-29-24 (formerly Ins 4703.09)
Ins 4703.09 Claim Settlement. Personal
inland marine travel insurance claims shall be subject to Ins 1002 on claim
settlements.
Source.
#10681, eff 11-3-14; ss by #13989, eff 5-29-24 (formerly Ins 4703.10)
PART Ins 4704 WAIVER OF RULES
Ins
4704.01 Waiver of Rules.
(a) The commissioner, upon the commissioner’s
own initiative or upon request by an insurer, shall waive any requirement of
this chapter if such waiver does not contradict the objective or intent of the
rule and:
(1) Applying
the rule provision would cause confusion or would be misleading to consumers;
(2) The rule
provision is in whole or in part inapplicable to the given circumstances;
(3) There
are specific circumstances unique to the situation such that strict compliance
with the rule would be onerous without promoting the objective or intent of the
rule provision; or
(4) Any other similar
extenuating circumstances exist such that application
of an alternative standard or procedure better promotes the objective or intent
of the rule provision.
(b) No requirement prescribed by statute shall
be waived unless expressly authorized by law.
(c) Any person or entity seeking a waiver shall
make a request in writing to the commissioner.
(d) A request for a waiver shall specify the
basis for the waiver and proposed alternative, if any.
(e) Waivers that are granted shall be in effect for the period of time requested and approved by the commissioner.
Source.
#12686, eff 12-3-18; ss by#13989, eff 5-29-24
Rule
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Specific State Statute the
Rule Implements
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Ins 4701.01 |
RSA 400-A:15, I; 402-L; 415:1; 415:2; 415:18 |
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Ins 4701.02 |
RSA 400-A:15, I; 415:5; 415:18 |
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Ins 4701.03 |
RSA 400-A:15, I; 402-L:2, VII;
415:1; 415:2; 415:18 |
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Ins 4701.04 |
RSA 400-A:15, I, 402-L:5, II;
415:1 |
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Ins 4701.05 |
RSA 400-A:15, I; 402-L:2; 415:1; 415:2; 415:18 |
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Ins 4701.06 |
RSA 400-A:15, I; 402-L:2; 415:18;
415-A:2; 415-A:3; 415:A:4 |
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Ins 4701.07 |
RSA 400-A:15, I; 415:18; 415-A:2;
415-A:3; 415:A:4 |
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Ins 4701.08 |
RSA 400-A:15, I; 415-A:4 |
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Ins 4701.09 |
RSA 400-A:15, I; 415-A:4-a |
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Ins 4702.01 |
RSA 400-A:15, I; RSA 402-L; 415:6 |
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Ins 4702.02 |
RSA 400-A:15, I; 415:5; 415:6 |
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Ins 4702.03 |
RSA 400-A:15, I; 415:1; 415:2;
415:6 |
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Ins 4702.04 |
RSA 400-A:15, I, 402-L:5, II;
415:1 |
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Ins 4702.05 |
RSA 400-A:15, I; 402-L:2; 415:1; 415:2; 415:6 |
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Ins 4702.06 |
RSA 400-A:15, I; 402-L:2, XIV;
415:6, 415-A:2; 415-A:3; 415-A:4 |
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Ins 4702.07 |
RSA 400-A:15, I; 415:6, 415-A:2;
415-A:3; 415-A:4 |
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Ins 4702.08 |
RSA 400-A:15, I; 415-A:4 |
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Ins 4702.09 |
RSA 400-A:15, I; 415-A:4-a |
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Ins 4703.01 |
RSA 400-A:15, I; RSA 402-L; 412:1 |
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Ins 4703.02 |
RSA 400-A:15, I; 412:2; 412:5;
412:15; 412:16; 412:19 |
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Ins 4703.03 |
RSA 400-A:15, I; 402-L:2, VII;
412:3 |
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Ins 4703.04 |
RSA 400-A:15, I; 412:5; 412:15;
412:16 |
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Ins 4703.05 |
RSA 400-A:15, I; 402-L:2, XIV;
412:5 |
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Ins 4703.06 |
RSA 400-A:15, I; 402-L:7, III;
412:5; 412:19; 417-B |
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Ins 4703.07 |
RSA 400-A:15, I; 412:5; 412:19 |
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Ins 4703.08 |
RSA 400-A:15, I; 412:5 |
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Ins 4703.09 |
RSA 400-A:15, I |
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Ins 4704 |
RSA 400-A:15, I; 415:18; 415-A:2;
415-A:3; 541-A:22, IV |
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