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Division of Insurance - Health Rate & Form Filing Requirements
Individual Credit Health
South Dakota Codified Laws |
|
| 21-25A-3 | Arbitration not permitted. |
| 58-9-3 | Health insurance defined. |
| 58-11-1 | Premium defined. |
| 58-11-2 | Contents of policy. |
| 58-11-3 | Statement of basis and rates for determination of premium included in policy. |
| 58-11-5 | Standard or uniform provisions of insurance contracts. |
| 58-11-7 | Substitute provisions required by law of domicile of foreign or alien insurer, approval by director. |
| 58-11-8 | Assessable policies. |
| 58-11-10 | Additional policy provisions. |
| 58-11-11 | Charter and bylaws, inclusion as part of contract of insurance. |
| 58-11-12 | Policy forms must be submitted for approval. |
| 58-11-22 | Identification of contracts issued and forms filed with director. |
| 58-11-23 | Execution of policy by authorized representative of insurer. |
| 58-11-26 | Jointly issued policies. |
| 58-11-27 | Combination policy. |
| 58-11-36 | Assignment of policies. |
| 58-11-39 | Modification by rider, endorsement, or application made part of policy. |
| 58-11-62 | Notice of intent to cease marketing block of business. |
| 58-11A-1 | Definitions. |
| 58-11A-2 | Policies subject to chapter. |
| 58-11A-3 | Reading ease. |
| 58-11A-4 | Alternate reading ease tests. |
| 58-11A-5 | Certificate concerning reading ease. |
| 58-11A-6 | Variation of reading ease requirement. |
| 58-11A-9 | Law permitting issuance of policies after form on file for specified period. |
| 58-17-1 | Requirements for all health insurance policies delivered in state. |
| 58-17-2 | Persons covered by policy. |
| 58-17-2.1 | Health insurance on a franchise plan. |
| 58-17-2.2 | Conversion privileges of insured's spouse upon divorce. |
| 58-17-3 | Time of commencement and termination to be set out in policy. |
| 58-17-4 | Consideration for policy to be stated. |
| 58-17-4.1 | Filing and prior approval of individual premium rates by director. |
| 58-17-4.2 | Premium rates required to be reasonable. |
| 58-17-5 | Identification of forms, riders and endorsements--Form number, location. |
| 58-17-6 | Style and arrangement of policy provisions--Printing, size of type. |
| 58-17-7 | Documents forming part of policy--Setting forth in full, rates and classifications excepted. |
| 58-17-8 | Exceptions and reductions of coverage to be clearly set out. |
| 58-17-9 | Renewal of policy at option of insurer--Statement in policy so informing the policyholder. |
| 58-17-10.2 | Individual policy for insured's spouse required in policies covering spouse. |
| 58-17-11 | Free look period. |
| 58-17-12 | Required provisions. |
| 58-17-13 | Omission from policy of inapplicable provision. |
| 58-17-14 | Insured signature required for contract changes. |
| 58-17-15 | Incontestability clause. |
| 58-17-17 | Grace period on premiums required in policy. |
| 58-17-18 | Renewal of policy. |
| 58-17-19 | Reinstatement when premium not paid within grace period. |
| 58-17-20 | Omission of provision as to application of premiums accepted in connection with reinstatement. |
| 58-17-21 | Notice of claim. |
| 58-17-22 | Notice of claim--Optional provision. |
| 58-17-23 | Claim forms--Furnishing by insurer. |
| 58-17-24 | Proofs of loss--Provision required in policy. |
| 58-17-25 | Time of payment of claims. |
| 58-17-26 | Payment of claims. |
| 58-17-27 | Payment of claims--Optional provisions. |
| 58-17-28 | Physical examination and autopsy in case of death. |
| 58-17-29 | Time limits for legal action. |
| 58-17-30 | Beneficiary. |
| 58-17-31 | Optional policy provisions. |
| 58-17-32 | Occupational change. |
| 58-17-33 | Misstatement of age. |
| 58-17-37 | Unpaid premiums--Deduction from benefits. |
| 58-17-38 | Conformity with state statutes of insured. |
| 58-17-39 | Illegal occupation of insured. |
| 58-17-41 | Order of policy provisions. |
| 58-17-42 | Age limit in policy. |
| 58-17-44 | Foreign or alien insurer--Policy provision required by home state. |
| 58-17-45 | Policy of domestic insurer delivered in other state. |
| 58-17-46 | Policy provisions not subject to chapter. |
| 58-17-47 | Nonconforming and conflicting provisions construed in conformity with statute. |
| 58-19-2 | Definitions of terms |
| 58-19-3 | Life and health insurance connected with credit transactions subject to chapter. |
| 58-19-4 | Forms of credit life insurance and credit health insurance. |
| 58-19-8 | Indemnity payable by credit health insurance. |
| 58-19-9 | Term of insurance. |
| 58-19-10 | Commencement of insurance when evidence of insurability required. |
| 58-19-11 | Duration of term of insurance. |
| 58-19-12 | Revision of premium schedule. |
| 58-19-13 | Premium rate not to exceed scheduled rate. |
| 58-19-14 | Amount charged debtor not to exceed premium charged by insurer. |
| 58-19-15 | Termination of insurance prior to maturity. |
| 58-19-19 | Contents of individual policy or group certificate. |
| 58-19-24 | Forms - filing with director. |
| 58-19-26 | Disapproval of filed forms by director. |
| 58-33-13 | Unfair discrimination as misdemeanor. |
| 62-1-1.3 | In regard to exclusions for workers' compensation, the word "paid must be used instead of "payable" or "entitled to" or similar language. |
Administrative Rules of South Dakota |
|
| 20:06:06:01 | Premium rates -- Fifty percent loss ratio benchmark. |
| 20:06:06:02 | Prima facie acceptable credit insurance rates. |
| 20:06:06:04 | Credit health insurance -- Acceptable rates. |
| 20:06:06:04.02 | Credit health insurance -- Exclusions and restrictions allowed. |
| 20:06:06:04.03 | Reduction of period of exclusion. |
| 20:06:06:04.04 | Joint credit disability insurance -- Acceptable rates. |
| 20:06:06:05 | Restricted coverages -- Rates. |
| 20:06:06:06 | Deviations from prima facie acceptable credit insurance rates. |
| 20:06:06:07 | Refunds. |
| 20:06:06:07.01 | Refinancing or consolidation. |
| 20:06:06:11 | Disclosure requirements. |
| Appendix A | Non-complying sample application form. |
| Appendix B | Non-complying sample application form. |
| 20:06:28:01 | Filing fees. |
| 20:06:28:03 | Filings by third parties. |
| 20:06:28:08 | Electronic filings. |
| 20:06:52:02 | Discretionary Clause not permitted |
Bulletins |
|
| Bulletin 07-01 | SERFF required for all form and rate filings. |
| Bulletin 08-04 | Health Policy Rate and Form Filing |
- An application or a policy form may not include a statement that indicates that the agent cannot bind the company. An application or a policy form may contain language that indicates that agents or others have no authority to modify or waive any provisions of the policy or certificate.
- No health policy or certificate amendment or endorsement filing may contain blank provisions that may be completed upon issuance by the insurer.
- No policy or certificate may exclude covered sicknesses or injuries caused by alcohol or drug use unless it is in the commission of a felony.