STANDARDS FOR ACCIDENT AND HEALTH INSURANCE
415-A:3 Minimum Standards for Benefits.
I. The commissioner shall adopt rules to establish minimum standards for benefits under each of the following categories of coverage:
(a) Basic hospital expense coverage.
(b) Basic medical-surgical expense coverage.
(c) Basic hospital/medical-surgical expense coverage.
(d) Hospital confinement indemnity coverage.
(e) Major medical expense coverage.
(f) Basic medical expense coverage.
(g) Disability income protection coverage.
(h) Accident only coverage.
(i) Specified disease coverage.
(j) Specified accident coverage.
(k) Limited benefit health coverage.
(l) Student major medical expense coverage.
II. Nothing in this section shall preclude the issuance of any policy or contract which combines 2 or more of the categories of coverage enumerated in subparagraphs I(a) through (l).
III. No policy shall be delivered or issued for delivery in this state which does not meet the prescribed minimum standards for the categories of coverage listed in subparagraphs I(a) through (l) which are contained within the policy unless the commissioner finds such policy will be in the public interest and such policy meets the requirements set forth in RSA 415. The commissioner may disapprove specific policy forms pursuant to RSA 415:2 and 3.
IV. The commissioner shall prescribe the method of identification of policies and contracts based upon coverages provided and may issue rules prescribing reasonable standardization and simplification of coverage to facilitate understanding and comparisons.
Source. 1975, 494:1. 2002, 207:5, 6. 2010, 188:3, 4, eff. Aug. 20, 2010.