Ins 3.27(9)(d) (d) The benefits of a policy which pays varying amounts for the same loss occurring under different conditions, or which pays benefits only when a loss occurs under certain conditions, shall not be advertised without disclosing the limited conditions under which the benefits referred to are provided by the policy.

Ins 3.27(9)(e) (e) The maximum benefit available under a policy shall not be emphasized in a manner which exaggerates its relationship to any internal limits or other conditions of the policy.

Ins 3.27(9)(f) (f) The aggregate amounts or the monthly or weekly benefits payable under coverages such as hospital or similar facility confinement indemnity or private duty nursing shall not be emphasized unless the actual amounts payable per day are disclosed with substantially equal prominence and in close conjunction with such statement. Any limit in the policy on the number of days of coverage provided shall be disclosed.

Ins 3.27(9)(g) (g) Phrases such as “this policy pays $1800 for hospital room and board expenses” are incomplete without indicating the maximum daily benefit and the maximum time limit for hospital room and board expenses.

Ins 3.27(9)(h) (h) An advertisement shall not state or imply that each member under a family policy is covered as to the maximum benefits advertised when such is not the fact.

Ins 3.27(9)(i) (i) The importance of diseases rarely or never found in the class of persons to whom the policy is offered shall not be exaggerated in an advertisement.

Ins 3.27(9)(j) (j) Examples of what benefits may be paid under a policy shall be shown only for losses from common illnesses or injuries rather than exceptional or rare illnesses or injuries.

Ins 3.27(9)(k) (k) When a range of hospital room expense benefits is set forth in an advertisement, it shall be made clear that the insured will receive only the benefit indicated in the policy purchased. It shall not be implied that the insured may select his or her room expense benefit at the time of hospitalization.

Ins 3.27(9)(L) (L) An advertisement shall not imply that the amount of benefits payable under a loss of time policy may be increased at time of disability according to the needs of the insured.

Ins 3.27(9)(m) (m) The term “confining sickness” is an abbreviated expression and shall be explained if used in an advertisement.

Ins 3.27(9)(n) (n) An advertisement shall not state that the insurer “pays hospital, surgical, medical bills,” “pays dollars to offset the cost of medical care,” “safeguards your standard of living,” “pays full coverage,” “pays complete coverage,” “pays for financial needs,” “provides for replacement of your lost paycheck,” “guarantees your paycheck,” “guarantees your income,” “continues your income,” “provides a guaranteed paycheck,” “provides a guaranteed income” or “fills the gaps in Medicare” or use similar words or phrases unless the statement is literally true. Where appropriate, such or similar words or phrases may properly be used if preceded by the words “help,” “aid,” “assist,” or similar words.

Ins 3.27(9)(o) (o) An advertisement shall not state that the premiums will not be changed in the future unless such is the fact.

Ins 3.27(9)(p) (p) An invitation to apply advertisement shall clearly indicate the provisions of any deductible under a policy.

Ins 3.27(9)(q) (q) An advertisement shall not refer to a policy as a doctors policy or use words of similar import unless:

Ins 3.27(9)(q)1. 1. The advertisement includes a statement that the plan of benefits is not endorsed by or associated with any national, state or local medical society, or

Ins 3.27(9)(q)2. 2. The policy has been so endorsed by such a society and the advertisement meets the requirements of sub. (13).

Ins 3.27(9)(r) (r) If a policy contains any of the following or similar provisions, an advertisement referring to such policy shall not state that benefits are payable in addition to other insurance unless the statement contains an appropriate reference to the coverage excepted:

Ins 3.27(9)(r)1. 1. An other insurance exception, reduction, limitation or deductible;

Ins 3.27(9)(r)2. 2. A coordination of benefits or non-duplication provision;

Ins 3.27(9)(r)3. 3. An other insurance in this company provision;

Ins 3.27(9)(r)4. 4. An insurance in other insurers provision;

Ins 3.27(9)(r)5. 5. A relation of earnings to insurance provision;

Ins 3.27(9)(r)6. 6. A workers’ compensation or employers’ liability or occupational disease law exception, reduction, or limitation;

Ins 3.27(9)(r)7. 7. A reduction based on social security benefits or other disability benefits; or

Ins 3.27(9)(r)8. 8. A Medicare exception, reduction, or limitation.

Ins 3.27(9)(s) (s) An advertisement shall not state a policy’s benefits are tax free unless an explanation of the rules applicable to the taxation of such types of accident and sickness benefits is clearly shown with equal prominence and in close conjunction with such statement. An advertisement of a benefit for which payment is conditioned upon confinement in a hospital or similar facility shall not state that such benefit is tax free.

Ins 3.27(9)(t) (t) An advertisement shall not use the expressions “extra cash,” “cash income,” “income,” “cash,” or similar words or phrases in such a way as to imply that the insured will receive benefits in excess of the expenses incurred while being sick, injured or hospitalized.

Ins 3.27(9)(u) (u) The description in advertisements of government insurance programs, including Medicare, and of changes in such program shall be accurate and not give an incorrect impression as to the need for supplementary coverage. If gaps in such programs are referred to, they shall be described fairly so that the reader or listener can determine how the policy being advertised covers such gaps.

Ins 3.27(9)(v) (v) An invitation to apply advertisement which refers to a policy as being a Medicare supplement shall: