Chapter Ins 3

Chapter Ins 3

CASUALTY INSURANCE

Ins 3.01   Accumulation benefit riders attached to health and accident policies.

Ins 3.02   Automobile fleets, vehicles not included in.

Ins 3.04   Dividends not deducted from premiums in computing loss reserves.

Ins 3.08   Municipal bond insurance.

Ins 3.09   Mortgage guaranty insurance.

Ins 3.11   Multiple peril insurance contracts.

Ins 3.13   Individual accident and sickness insurance.

Ins 3.14   Group accident and sickness insurance.

Ins 3.15   Blanket accident and sickness insurance.

Ins 3.17   Reserves for accident and sickness insurance policies.

Ins 3.18   Total consideration for accident and sickness insurance policies.

Ins 3.19   Group accident and sickness insurance insuring debtors of a creditor.

Ins 3.20   Substandard risk automobile physical damage insurance for financed vehicles.

Ins 3.23   Franchise accident and sickness insurance.

Ins 3.25   Credit life insurance and credit accident and sickness insurance.

Ins 3.26   Unfair trade practices in credit life insurance and credit accident and sickness insurance.

Ins 3.27   Advertisements of and deceptive practices in accident and sickness insurance.

Ins 3.28   Solicitation, underwriting and claims practices in individual and franchise accident and sickness insurance.

Ins 3.29   Replacement of accident and sickness insurance.

Ins 3.30   Change of beneficiary and related provisions in accident and sickness insurance policies.

Ins 3.31   Eligibility for and solicitation, underwriting and claims practices in group, blanket and group type accident and sickness insurance.

Ins 3.32   Title insurance; prohibited practices.

Ins 3.33   Individual uniform application for health insurance.

Ins 3.34   Coverage of dependent.

Ins 3.35   Colorectal cancer screening coverage.

Ins 3.36   Coverage of autism spectrum disorders.

Ins 3.37   Transitional treatment arrangements.

Ins 3.375   Coverage of nervous and mental disorders and substance use disorders.

Ins 3.38   Coverage of newborn infants.

Ins 3.39   Standards for disability insurance sold to the Medicare eligible.

Ins 3.40   Coordination of benefits provisions in group and blanket disability insurance policies.

Ins 3.41   Individual conversion policies.

Ins 3.42   Plans of conversion coverage.

Ins 3.43   High limit comprehensive plan of benefits.

Ins 3.44   Effective date of s. 632.897, Stats.

Ins 3.45   Conversion policies by insurers offering group policies only.

Ins 3.455   Long-term care, nursing home and home health care policies; loss ratios; rating practices; continuation and conversion, reserves.

Ins 3.46   Standards for long-term care, nursing home and home health care insurance and life insurance-long-term care coverage.

Ins 3.465   Wisconsin long-term care partnership program.

Ins 3.47   Cancer insurance solicitation.

Ins 3.49   Wisconsin automobile insurance plan.

Ins 3.51   Reports by individual practice associations.

Ins 3.53   HIV testing.

Ins 3.54   Home health care benefits under disability insurance policies.

Ins 3.55   Benefit appeals under long-term care policies, life insurance-long-term care coverage.

Ins 3.60   Disclosure of information on health care claim settlements.

Ins 3.65   Standardized claim format.

Ins 3.651   Standardized explanation of benefits and remittance advice format.

Ins 3.67   Benefit appeals under certain policies.

Ins 3.75   Continuation of discontinued employer provided health group policy coverage for employees and their dependents.

Ch. Ins 3 Note Note: Corrections made under s. 13.93 (2m) (b) 7., Stats., Register, August, 1997, No. 500.

Ins 3.01 Ins 3.01 Accumulation benefit riders attached to health and accident policies. Except where such rider is used only on a policy replacing the company’s own policy, and so recites, no rider providing for accumulations of benefits will be approved for use upon any policy of health and accident insurance, whether it is proposed to issue such rider with or without an additional premium. Such rider operates as an aid to twisting the policies of another company in such manner as to make its use a direct encouragement of this practice.

Ins 3.02 Ins 3.02 Automobile fleets, vehicles not included in. Individually owned motor vehicles cannot be included or covered by fleet rates. The determining factor for inclusion under fleet coverage must be ownership and not management or use.

Ins 3.04 Ins 3.04 Dividends not deducted from premiums in computing loss reserves. Premiums returned to policyholders as dividends may not be deducted from the earned premiums in computing loss reserves under s. 623.04, Stats.

Ins 3.04 History History: 1-2-56; emerg. am. eff. 6-22-76; am. Register, September, 1976, No. 249, eff. 10-1-76.