California

Insurance Code

4,514 sections, each with the official text and a plain-English explanation of what it means for you.

• § 1 — This act shall be known as the Insurance Code.
• § 10 — “Section” means a section of this code unless some other statute is specifically mentioned and “subdivision” or “subsection” means a subdivision or subsection of the section in which that term occurs
• § 100 — Insurance in this state is divided into the following classes: (1) Life.
• § 10020 — As used in this chapter, an underwriters’ corps means a corps of men with proper officers and equipment, maintained to discover and prevent fires and save life and property from fire.
• § 10021 — This chapter shall not impair or interfere with the powers or duties of the regular fire department of any municipality.
• § 10022 — Any act of an underwriters’ corps shall not justify any owner of any property in abandoning such property.
• § 10040 — Any domestic corporation of insurance underwriters, organized to discover and prevent fires and save life and property from fire and doing business within any municipal corporation of this State, may
• § 10050 — For the effective discharge of such duties, an underwriter’s corps may enter any burning building or any building in which property is burning, or any building such corps or any officer thereof deems
• § 10051 — Such corporation, with its officers and corps, when going to a fire with its equipment, has the same right of way as the regular fire department of the municipality in which such corporation is operat
• § 10052 — All ordinances passed by the municipal authorities of any city or town wherein such a corporation carries on business, and all laws of this State applicable to such municipality which provide for the
• § 10070 — In July of every year, there shall be held a meeting of every corporation created for the purpose specified in this chapter.
• § 10071 — Ten days’ notice of the meeting shall be inserted in at least one daily newspaper published in the municipality in which the corporation is established.
• § 10072 — At such meeting each insurer or insurance agent, doing a fire insurance business in the municipality, whether a member of the corporation or not, has a right to be represented and is entitled to one v
• § 10073 — A majority of the whole number so represented may decide the question of sustaining the fire patrol organized by the corporation and may fix the maximum amount of expenses to be incurred therefor duri
• § 10074 — The amount of expense so fixed shall not exceed two per cent of the aggregate premiums returned as received, as provided in section 10076.
• § 10075 — Such assessment is collectible by and in the name of the corporation, in any court of competent jurisdiction, in such manner and at such time or times as the corporation determines.
• § 10076 — In order to pay persons employed by the corporation, and to maintain apparatus for saving life and property and suitable quarters the corporation may require a statement to be furnished, semiannually,
• § 10077 — Each statement shall be under oath and shall be handed to the secretary of the corporation within ten days after each first day of July and each first day of January.
• § 10078 — The secretary of such corporation shall, within the prescribed ten days, by written demand signed by him, require the statement from every person assessable under this chapter.
• § 10079 — The demand may be delivered personally at the office of every person required to furnish the statement.
• § 10080 — The corporation may bring action to recover such penalty, with costs, in any court of competent jurisdiction.
• § 10081 — No policy of residential property insurance may be issued or delivered or, with respect to policies in effect on the effective date of this chapter, initially renewed in this state by any insurer unle
• § 10082 — (a) The offer required by Section 10081 shall include coverage against risk of loss or damage from the peril of earthquake, in accordance with the minimum coverages required by subdivisions (a) and (b
• § 10082.3 — Notwithstanding any other provision of law, the following provisions regarding loss requirements, appraisals, and adjusters shall apply to the following types of policies originated or renewed on and
• § 10082.5 — (a) If an insurer subject to this chapter charges an additional earthquake insurance premium or deductible because a dwelling fails to comply with paragraph (1), (2), or (3) and the dwelling is subseq
• § 10083 — (a) The offer of coverage required by Section 10081 may be made prior to, concurrent with, or within 60 days following the issuance or renewal of a residential property insurance policy.
• § 10084 — An insurer which issues or delivers a policy of residential property insurance in this state may comply with the provisions of Section 10081 in any of the following ways: (a) By offering to underwrite
• § 10085 — If the insurer establishes proof of mailing or delivery of the required offer and the offer of earthquake coverage is not accepted by the named insured within 30 days from the date of mailing or deliv
• § 10086 — (a) If an offer of earthquake coverage, made pursuant to Section 10081, is accepted, the coverage shall be continued at the applicable rates and conditions for the policy term, provided the policy of
• § 10086.1 — (a) Where the offer of earthquake coverage has not been accepted, the insurer shall notify the named insured that the policy does not provide that coverage.
• § 10086.5 — (a) The Legislature hereby finds and declares that the continued regulation of the business practices of insurers and their products is in the interest of the citizens of the state and that the contro
• § 10087 — (a) (1) As used in this chapter, “policy of residential property insurance” means a policy insuring individually owned residential structures of not more than four dwelling units, individually owned c
• § 10087.5 — (a) Every policy of residential property insurance which provides coverage for loss or damage to a structure from the peril of earthquake, but that provides for an uninsured deductible amount computed
• § 10088 — Notwithstanding the provisions of Section 530, 532, or any other provision of law, and in the absence of an endorsement or an additional policy provision specifically covering the peril of earthquake,
• § 10088.5 — Notwithstanding Section 2081, nothing in Section 10088 exempts an insurer from its obligation under a fire insurance policy to cover the losses of a fire which is caused by or follows an earthquake.
• § 10089 — (a) At a minimum, an offer of coverage of loss or damage caused by the peril of earthquake pursuant to Section 10081 shall include the following coverages: (1) dwelling, not including outbuildings, ap
• § 10089.1 — To the extent that the coverage is not already provided in the minimum offer of coverage, every insurer shall offer the following optional coverage as part of the offer of coverage as required by Sect
• § 10089.10 — To expand the capacity of the authority and achieve maximum capacity for writing earthquake coverage, the authority shall do both of the following acts, on prior approval of the commissioner: (a) The
• § 10089.11 — (a) The commissioner shall adopt regulations to implement the provisions of this chapter within 60 days of its effective date.
• § 10089.12 — The commissioner shall have full power and authority to examine the books and records of the authority at any time, and in connection with the operations and function of the authority, the commissione
• § 10089.13 — (a) One year following its commencement of operations, and annually thereafter by each August 1, the authority shall report to the Legislature and the commissioner on program operations in a format pr
• § 10089.14 — (a) The authority shall not issue any earthquake policy and no insurer shall transfer any earthquake risk to the authority until all of the following conditions have been met: (1) The Internal Revenue
• § 10089.15 — (a) Initial operating capital shall be contributed by insurance companies admitted to write residential property insurance in the state.
• § 10089.16 — (a) On application to the board, payment of any assessments and fees calculated by the board, and fulfillment of any additional requirements imposed by the board, nonparticipating insurers may become
• § 10089.17 — Notwithstanding subdivision (h) of Section 10089.
• § 10089.19 — (a) Participating insurers that want to withdraw from the authority may do so on 12 months’ written notice to the authority.
• § 10089.2 — (a) (1) Subject to the approval of the commissioner, every insurer subject to this chapter shall, at the time of offering to issue or offer to renew coverage as part of the offer of coverage required
• § 10089.20 — The authority shall renew any policy of basic residential earthquake insurance, provided the authority receives payment of the applicable renewal premium on or before the expiration date stated in the
• § 10089.21 — The authority is a public instrumentality of the State of California and the exercise of its powers is an essential state governmental function.
• § 10089.22 — (a) The authority shall be continued in existence for so long as its bonds are outstanding.
• § 10089.23 — (a) (1) If at any time following the payment of earthquake claims and claim expenses the authority’s available capital is reduced to less than three hundred fifty million dollars ($350,000,000), or if
• § 10089.24 — (a) Notwithstanding any other provision of this chapter, the maximum permissible assessment pursuant to Section 10089.
• § 10089.25 — Beginning December 31, 1997, and annually thereafter on the 30th of April, the board shall notify each participating insurer of the maximum earthquake loss funding assessment level that it may be requ
• § 10089.26 — (a) The authority shall issue policies of basic residential earthquake insurance, including an option for earthquake loss assessment policies for individual condominium unit properties, to any owner o
• § 10089.27 — (a) Every participating insurer that has in-force residential earthquake insurance policies in the state as of the date of commencement of authority operations shall renew each in-force residential ea
• § 10089.28 — (a) All policies of residential earthquake insurance provided by the authority shall be written by the authority.
• § 10089.29 — (a) (1) Notwithstanding the prior approval requirement of Section 10089.
• § 10089.3 — (a) The department shall adopt regulations setting forth standards governing the training of insurance adjusters in evaluating damage caused by earthquakes.
• § 10089.30 — If claims and claim expenses paid by the authority due to earthquake events exhaust the total of (a) the authority’s available capital, (b) the maximum amount of all insurer capital contributions and
• § 10089.31 — If claims and claim expenses paid by the authority due to earthquake events that commence on or after December 1, 2008, exhaust the total of all (a) the authority’s available capital, (b) the maximum
• § 10089.32 — The authority shall endeavor at all times to make specific authority earthquake policyholder assessments, and the Treasurer shall endeavor at all times to secure debt financing, only for the actual fu
• § 10089.33 — (a) If the average daily balance of the authority’s available capital exceeds six billion dollars ($6,000,000,000) for the last 180 days of any calendar year, the board shall relieve all participating
• § 10089.34 — (a) (1) The policies issued by the authority shall not be subject to assessment for, nor shall any authority policyholder be eligible for benefits from, the California Insurance Guaranty Association.
• § 10089.35 — (a) If at any time the board determines that all the authority’s available capital may be exhausted and no source of additional funds such as assessments, reinsurance, or private capital market moneys
• § 10089.36 — In the event a natural disaster program is enacted by Congress, the panel shall convene and prepare a plan to dissolve the authority or conform this act with the federal program.
• § 10089.37 — The board shall set aside in each calendar year an amount equal to 5 percent of investment income accruing on the authority’s invested funds, or five million dollars ($5,000,000), whichever is less, i
• § 10089.38 — Upon the development and implementation of an economical system satisfactory to the board and the commissioner to prevent misapplication of mitigation funds, the Earthquake Loss Mitigation Fund may be
• § 10089.39 — (a) The operational rules of the Earthquake Loss Mitigation Fund shall be part of the authority’s plan of operations.
• § 10089.395 — (a) The Legislature finds and declares that there exists the California Residential Mitigation Program, also known as the CRMP, a joint powers authority created in 2012 by agreement between the Califo
• § 10089.396 — (a) In administering the Earthquake Brace and Bolt program pursuant to Section 10089.
• § 10089.397 — (a) The Legislature finds and declares that there exists the California Residential Mitigation Program, also known as the CRMP, a joint powers authority created in 2012 by agreement between the Califo
• § 10089.4 — (a) No person may use a geographically based earthquake assessment system or program for the purpose of requiring earthquake insurance, or imposing a fee or any other condition in lieu of requiring ea
• § 10089.40 — (a) Rates established by the authority shall be actuarially sound so as to not be excessive, inadequate, or unfairly discriminatory.
• § 10089.41 — (a) The offer of an authority policy by a participating insurer shall constitute a mode of insurer compliance with Chapter 8.
• § 10089.42 — (a) At least once each year a participating insurer shall provide each of its residential property insureds with marketing documents produced at the authority’s expense.
• § 10089.43 — Upon termination of the authority by the Legislature, its remaining funds shall be transferred to the General Fund unless otherwise directed by the Legislature.
• § 10089.44 — Notwithstanding any other provision of law, premiums collected by the authority shall be exempt from collection of the state’s insurance premium tax, and the amount of tax foregone by the state shall
• § 10089.46 — Bonds issued under this chapter shall not be a debt or liability of the state or of any political subdivision of the state, or a pledge of the full faith and credit of the state or of any political su
• § 10089.47 — Bonds issued by the authority are legal investments for all trust funds, the funds of all insurance companies, banks, trust companies, executors, administrators, trustees, and other fiduciaries.
• § 10089.48 — Interest earned on any bonds issued by the authority shall at all times be free from state personal income tax and corporate income tax.
• § 10089.49 — The state hereby pledges to and agrees with the holders of bonds that the state will not limit, alter, or restrict the rights hereby vested in the authority to fulfill each pledge of revenues and any
• § 10089.5 — As used in this chapter: (a) “Authority” means the California Earthquake Authority.
• § 10089.50 — The Treasurer may from time to time enter into one or more credit facilities permitting the authority to draw an amount up to one billion dollars ($1,000,000,000) with payment, interest rate, indemnit
• § 10089.51 — The authority shall have the power to pledge to the providers of credit facilities and to the owners of bonds the surcharges imposed or to be imposed pursuant to subdivision (b) of Section 10089.
• § 10089.52 — Nothing in Section 10089.
• § 10089.53 — (a) Any insurer that withdraws from the authority under Section 10089.
• § 10089.54 — (a) Unless authorized by a statute enacted subsequent to the effective date of this section, the authority shall cease writing new earthquake insurance policies 180 days after implementation by both t
• § 10089.55 — The board shall conduct the affairs of the authority with respect to transacting earthquake insurance, including administering the California Earthquake Authority Fund.
• § 10089.6 — (a) (1) There is hereby created the California Earthquake Authority, which shall be administered and governed by the governing board described in Section 10089.
• § 10089.7 — (a) The authority shall be governed by a three-member governing board consisting of the Governor, the Treasurer, and the Insurance Commissioner, each of whom may name designees to serve as board membe
• § 10089.70 — (a) The department shall establish a program for the mediation of the disputes between insured complainants and insurers arising pursuant to any of the following: (1) A claim that arises under a homeo
• § 10089.71 — Any insured having a dispute with an insurer under a policy that qualifies for this program may file a written complaint with the department.
• § 10089.72 — (a) If, after the department’s intervention, the insurer and the insured do not reach agreement, the department may notify the insurer that in order to avoid referral to mediation, the insurer shall h
• § 10089.73 — If the dispute is not resolved within the time period prescribed by Section 10089.
• § 10089.74 — (a) If the insurer notifies the department of the failure to resolve the dispute, the department shall notify the insured of the insured’s ability to request mediation and ask the insured whether the
• § 10089.75 — (a) Any insurer may inform an insured who has filed a complaint with the department concerning a dispute that qualifies for this program of the existence of the mediation program and may ask the insur
• § 10089.76 — Upon referral of a complaint to mediation, the department shall immediately transfer all necessary information concerning the claim, including the name and address of the insured and the insurer, to a
• § 10089.77 — The department shall contract with a diverse pool of mediators for the provision of mediation services.
• § 10089.78 — Upon receipt of a complaint, the mediation service, to the extent possible, shall issue a notice to the insured and the insurer setting a date and time within 21 calendar days of the date of the notic
• § 10089.79 — (a) The costs of mediation shall be reasonable, and shall be borne by the insurer, except as provided in Section 10089.
• § 10089.8 — (a) The authority shall operate pursuant to a written plan of operations.
• § 10089.80 — (a) The representatives of the insurer shall know the facts of the case and be familiar with the allegations of the complainant.
• § 10089.81 — All parties to the mediation proceeding shall negotiate in good faith and shall have the authority to immediately settle claims.
• § 10089.82 — (a) An insured may not be required to use the department’s mediation process.
• § 10089.83 — (a) On or before August 1 of each year in which this program is in effect, the commissioner shall report to the Governor, the Legislature, and to the committees of the Senate and Assembly having juris
• § 10089.9 — (a) Upon commencement of participation in the authority, each participating insurer shall be required to execute a contract with the commissioner and the authority that sets forth its rights and respo
• § 10090 — The purposes of this chapter are to do all of the following: (a) To assure stability in the property insurance market for property located in the State of California.
• § 10091 — Unless the provision or context otherwise requires, the following definitions govern the construction of this chapter: (a) “Association,” “industry placement facility,” or “facility,” means a joint re
• § 10092 — This chapter shall not apply to county mutual fire insurers nor to fraternal fire insurers.
• § 10093 — (a) Any person having an insurable interest in real or tangible personal property who, after diligent effort, has been unable to obtain basic property insurance through normal channels from an admitte
• § 10094 — (a) Within 30 days after the effective date of this chapter, with the approval of the commissioner, all insurers licensed to write and engaged in writing in this state, on a direct basis, basic proper
• § 10094.2 — (a) Notwithstanding subdivision (c) of Section 10095, the facility shall, pursuant to regulations adopted by the commissioner, provide for a method whereby insurers who voluntarily write basic propert
• § 10094.5 — Within 90 days following the effective date of this section, the association shall file a new or amended rate application with the commissioner consistent with paragraph (1) of subdivision (c) of Sect
• § 10095 — (a) Within 30 days following the effective date of this chapter, the association shall submit to the commissioner, for the commissioner’s review, a proposed plan of operation, consistent with this cha
• § 10095.5 — (a) The association shall establish and maintain an Internet Web site and a statewide toll-free telephone number through which a person may receive information and assistance in applying for insurance
• § 10095.7 — (a) The commissioner shall establish the California Home Insurance Finder on the department’s Internet Web site.
• § 10095.8 — (a) On or before April 1, 2026, the association shall create an automatic payment system and accept automatic payments for premiums from policyholders.
• § 10096 — (1) Any applicant or affected insurer shall have the right of appeal from any act or decision of either the facility or the association to the governing committee.
• § 10097 — There shall be no liability on the part of, and no cause of action of any nature shall arise against the insurers, the inspection bureau, the facility, the association, the governing committee, their
• § 10098 — Acceptance of risks assigned under this chapter and performance of any act required by this chapter is a condition of the right to continue to hold a certificate of authority to transact insurance bus
• § 10099 — In addition to any powers conferred upon him by this or any other law, the commissioner is authorized to do all things necessary to enable the State of California and any insurer participating in any
• § 101 — Life insurance includes insurance upon the lives of persons or appertaining thereto, and the granting, purchasing, or disposing of annuities.
• § 1010 — (a) The provisions of this article shall apply to all persons, except the State Compensation Insurance Fund, subject to examination by the commissioner, or purporting to do insurance business in this
• § 10100 — The commissioner may require such reports from insurers concerning risks insured under any program approved pursuant to this chapter as he shall deem necessary to effect the purposes of this chapter.
• § 10100.1 — The facility, subject to the approval of the Insurance Commissioner, may provide for the equitable distribution of risks provided for in this chapter by means of assignment to individual members of su
• § 10100.2 — (a) (1) Rates for the FAIR Plan shall not be excessive, inadequate, or unfairly discriminatory, and shall be actuarially sound so that premiums are adequate to cover expected losses, expenses and taxe
• § 10100.3 — (a) If granted prior approval from the commissioner, the association may do all of the following: (1) Request the California Infrastructure and Economic Development Bank to issue bonds from time to ti
• § 10101 — (a) A policy of residential property insurance shall not be issued or renewed in this state by an insurer unless the named insured is provided a copy of the California Residential Property Insurance D
• § 10102 — (a) The disclosure required by Section 10101 shall be in no less than 10-point type and shall be provided prior to or concurrent with, the application for a policy of residential property insurance.
• § 10103 — (a) A policy of residential property insurance shall not be issued or renewed in this state unless it provides the following information on the declarations page of the policy: (1) The limits of liabi
• § 10103.2 — (a) On and after July 1, 2020, upon an offer of a policy of residential property insurance, a disclosure shall be provided to the applicant that states policies offering extended replacement cost cove
• § 10103.4 — (a) An insurer that provides replacement cost coverage in accordance with Section 10102, except an insurer that satisfies the requirements of subdivision (b), shall, on an every other year basis, at t
• § 10103.5 — (a) Every California Residential Property Insurance Disclosure shall be accompanied by a California Residential Property Insurance Bill of Rights.
• § 10103.6 — (a) If an insurer issues a new residential property insurance policy on or after July 1, 2021, that does not provide coverage for the peril of fire, the insurer shall, on or before the date of issuanc
• § 10103.7 — (a) In the event of a covered loss relating to a state of emergency, as defined in Section 8558 of the Government Code, an insured under a residential property insurance policy shall be permitted to c
• § 10104 — (a) As used in this chapter, “policy of residential property insurance” shall have the same meaning as defined in Section 10087, except that it shall not include a tenant’s policy, a policy covering i
• § 10105 — Nothing in this chapter is intended to expand, contract, modify, or otherwise affect the coverage provided under any policy of residential property insurance issued and in effect prior to July 1, 1993
• § 10106 — The Insurance Commissioner may modify a disclosure statement as contained in Section 10102, 10103, or 10103.
• § 10107 — Except as provided in subdivisions (e) and (i) of Section 10102, this chapter shall apply to all policies newly issued on or after July 1, 1993, and to all policies renewed after January 1, 1994.
• § 10108 — (a) The commissioner shall develop a pamphlet which provides information to small business owners and others on the key features of, and suggested ways of, purchasing commercial property insurance.
• § 10108.1 — (a) As used in this chapter, “policy of commercial property insurance” has the same meaning as defined in Section 675.
• § 1011 — The superior court of the county in which the principal office of a person described in Section 1010 is located, upon the filing by the commissioner of the verified application showing any of the cond
• § 1011.1 — If a verified application is filed pursuant to Section 1011 that shows that the conditions set forth in subdivision (j) of Section 1011 exist and upon a showing that notice was provided to the person
• § 1011.5 — The consent described in subdivision (c) of Section 1011 shall be obtained by filing an application with the commissioner in a form to be prescribed by him or her accompanied by that additional inform
• § 10110 — Every person has an insurable interest in the life and health of: (a) Himself.
• § 10110.1 — (a) An insurable interest, with reference to life and disability insurance, is an interest based upon a reasonable expectation of pecuniary advantage through the continued life, health, or bodily safe
• § 10110.2 — An insurer shall be entitled to rely upon all statements, declarations, and representations made by an applicant for insurance relative to the insurable interest that the applicant has in the insured,
• § 10110.3 — (a) An insurer may not issue an individual life insurance policy to an applicant that insures the life of the applicant’s spouse unless the applicant’s spouse has signed the policy application or has
• § 10110.4 — (a) Except as allowed in subdivision (c), an insurer may not issue or deliver a corporate-owned life insurance policy.
• § 10110.5 — (a) A policy or endorsement issued by an admitted life and disability insurer may contain a provision for a waiver of premium payments in the event of involuntary unemployment of the insured.
• § 10110.6 — (a) If a policy, contract, certificate, or agreement offered, issued, delivered, or renewed, whether or not in California, that provides or funds life insurance or disability insurance coverage for an
• § 10110.7 — (a) This section, except for subdivision (i), applies to a disability insurance policy that provides coverage for hospital, medical, or surgical benefits, excluding a specialized health insurance poli
• § 10110.75 — (a) This section applies to a disability insurance policy that provides coverage for hospital, medical, surgical, or prescription drug benefits, excluding a specialized health insurance policy that pr
• § 10110.8 — (a) A life or disability insurance policy other than health insurance, as defined in Section 106, issued, amended, renewed, or delivered on or after January 1, 2020, shall not do any of the following
• § 10110.9 — (a) Notwithstanding any other law, except as provided in Section 10144.
• § 10111 — In life or disability insurance, the only measure of liability and damage is the sum or sums payable in the manner and at the times as provided in the policy to the person entitled thereto.
• § 10111.2 — (a) Under a policy of disability insurance other than health insurance, as defined in Section 106, including a policy of disability income insurance, as defined in subdivision (c) of Section 799.
• § 10111.5 — An insurer shall not be liable for payments claimed under an individual or group policy of life insurance if the duty to make those payments depends upon a factual determination of whether the death o
• § 10111.7 — (a) An insurer shall not deny or refuse to accept an application for life insurance, or refuse to insure, refuse to renew, cancel, restrict, or otherwise terminate a policy of life insurance, or charg
• § 10112 — Subject to Section 2459 of the Probate Code, in respect to life or disability insurance, or annuity contracts (except as provided in Sections 2500 to 2507, inclusive, of the Probate Code and Section 3
• § 10112.1 — (a) An individual or group health insurance policy shall not establish either of the following: (1) Lifetime limits on the dollar value of any covered benefits for an insured, whether provided in netw
• § 10112.2 — (a) A group or individual nongrandfathered health insurance policy shall, at a minimum, provide coverage for and shall not impose any cost-sharing requirements for any of the following: (1) Evidence-b
• § 10112.25 — (a) A health insurer that issues, sells, renews, or offers health insurance policies for health care coverage in this state, including a grandfathered health plan, but not including specialized health
• § 10112.26 — (a) A health insurer that issues, sells, renews, or offers a policy covering dental services shall file a report with the department, by July 31 of each year, which shall be known as the MLR annual re
• § 10112.27 — (a) An individual or small group health insurance policy issued, amended, or renewed on or after January 1, 2017, shall include, at a minimum, coverage for essential health benefits pursuant to the fe
• § 10112.28 — (a) This section shall apply to nongrandfathered individual and group health insurance policies that provide coverage for essential health benefits, as defined in Section 10112.
• § 10112.281 — (a) A large group health insurance policy issued, amended, or renewed on or after July 1, 2022, shall cover medically necessary basic health care services.
• § 10112.282 — (a) With respect to large group health insurance, an insurer and its officials, employees, agents, and representatives shall not, directly or indirectly, employ marketing practices or benefit designs
• § 10112.29 — (a) (1) For a small employer health insurance policy offered, sold, or renewed on or after January 1, 2014, the deductible under the policy shall not exceed: (A) Two thousand dollars ($2,000) in the c
• § 10112.291 — (a) For a health insurance policy issued, amended, or renewed on or after July 1, 2022, in the individual or group market, a health insurer shall monitor an insured’s accrual toward their annual deduc
• § 10112.295 — (a) Levels of coverage for the nongrandfathered individual market are defined as follows: (1) Bronze level: A health insurance policy in the bronze level shall provide a level of coverage that is actu
• § 10112.296 — Notwithstanding paragraph (1) of subdivision (b) of Section 10112.
• § 10112.297 — (a) Levels of coverage for the nongrandfathered small group market are defined as follows: (1) Bronze level: A health insurance policy in the bronze level shall provide a level of coverage that is act
• § 10112.3 — (a) For purposes of this section, the following definitions shall apply: (1) “Exchange” means the California Health Benefit Exchange established in Title 22 (commencing with Section 100500) of the Gov
• § 10112.300 — (a) (1) A small employer health benefit plan in effect on December 31, 2013, and still in effect as of the effective date of this section, that does not qualify as a grandfathered health plan under Se
• § 10112.35 — (a) An insurer providing individual coverage in the Exchange shall cooperate with requests from the Exchange to collaborate in the development of, and participate in the implementation of, the Medi-Ca
• § 10112.4 — The commissioner shall, in coordination with the Director of the Department of Managed Health Care, review the Internet portal developed by the United States Secretary of Health and Human Services und
• § 10112.5 — (a) (1) Notwithstanding any other provision of law, every policy or certificate of health insurance marketed, issued, or delivered to a resident of this state, regardless of the situs of the contract
• § 10112.6 — (a) Consistent with federal law, a sponsor of a prescription drug plan authorized by the federal Medicare Prescription Drug, Improvement, and Modernization Act of 2003 (P.
• § 10112.7 — (a) A group or individual health insurance policy issued, amended, or renewed on or after January 1, 2014, that provides or covers any benefits with respect to services in an emergency department of a
• § 10112.75 — (a) If a health insurer sends payment for services provided directly to the insured and not to the provider, the insurer shall send notice to the insured and the provider who provided the services tha
• § 10112.8 — (a) (1) Except as provided in subdivision (c), a health insurance policy issued, amended, or renewed on or after July 1, 2017, that provides benefits through contracts with providers at alternative ra
• § 10112.81 — (a) (1) By September 1, 2017, the commissioner shall establish an independent dispute resolution process for the purpose of processing and resolving a claim dispute between a health insurer and a nonc
• § 10112.82 — (a) (1) For services rendered subject to Section 10112.
• § 10112.9 — (a) (1) Notwithstanding Section 10273.
• § 10112.95 — (a) A health insurer shall provide an insured who has been displaced or whose health otherwise may be affected by a state of emergency, as declared by the Governor pursuant to Section 8625 of the Gove
• § 10113 — Every policy of life, disability, or life and disability insurance issued or delivered within this State on or after the first day of January, 1936, by any insurer doing such business within this Stat
• § 10113.1 — The following provisions shall apply to this act: (a) “Advertisement” means any written, electronic, or printed communication or any communication by means of recorded telephone messages or transmitte
• § 10113.2 — (a) This section applies to any person entering into, brokering, or soliciting life settlements pursuant to this section and Sections 10113.
• § 10113.3 — (a) A provider entering into a life settlement contract with any owner of a policy, wherein the insured is terminally ill, shall first obtain the following: (1) If the owner is the insured, a written
• § 10113.35 — (a) The commissioner may adopt rules and regulations reasonably necessary to implement the provisions of this act.
• § 10113.4 — If a group life insurance policy contains a provision that makes a certificate holder’s coverage contestable on the grounds of suicide for a period following commencement of coverage, only the unexpir
• § 10113.5 — (a) An individual life insurance policy delivered or issued for delivery in this state shall contain a provision that it is incontestable after it has been in force, during the lifetime of the insured
• § 10113.6 — (a) An insurer that is required to deliver a life insurance policy to the owner of the policy in order to start the period running during which the owner may exercise any statutory right to return a p
• § 10113.7 — (a) An increase of premium on an individual life insurance policy that provides for premium changes by the insurer is not effective unless written notice is delivered to the policyholder, or mailed to
• § 10113.70 — (a) (1) Whenever a flexible premium life insurance policy is subject to an adverse change in the current scale of nonguaranteed elements, as soon as practicable, but no later than 90 days before the e
• § 10113.71 — (a) Each life insurance policy issued or delivered in this state shall contain a provision for a grace period of not less than 60 days from the premium due date.
• § 10113.72 — (a) An individual life insurance policy shall not be issued or delivered in this state until the applicant has been given the right to designate at least one person, in addition to the applicant, to r
• § 10113.8 — (a) Each health insurer that maintains an Internet Web site shall make a downloadable copy of the comparative benefit matrix prepared pursuant to Section 10127.