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Division of Insurance - Health Rate & Form Filing Requirements
Group 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. |
| 58-18-7.17 | Exclusion of benefits for injury while under the influence of alcohol or drugs prohibited. |
| 58-18-8 | Representations by applicant not warranties. |
| 58-18-10 | Additions to group originally insured. |
| 58-19-2 | Definition 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 date. |
| 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. |
| 20:06:42:01 | Eligible associations defined. |
| 20:06:42:02 | Credit unions. |
| 20:06:52:02 | Discretionary Clause not permitted |
Bulletins |
|
| Bulletin 98-6 | Use of Trusts in Marketing Life and Health Insurance (Replaces 98-4) |
| 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.