R590-233-8. Outline of Coverage Requirements

(1) Major Medical Expense Coverage.

An outline of coverage, in the form prescribed below, shall be issued in connection with policies meeting the standards of Rule R590-233-7(1). The items included in the outline of coverage must appear in the sequence prescribed:

TABLE I

(COMPANY NAME)

MAJOR MEDICAL EXPENSE COVERAGE

OUTLINE OF COVERAGE

Read Your (Policy)(Certificate) Carefully - This outline of

coverage provides a very brief description of the important

features of your policy. This is not the insurance contract

and only the actual policy provisions will control. The policy

itself sets forth in detail the rights and obligations of both

you and your insurance company. It is, therefore, important

that you READ YOUR (POLICY)(CERTIFICATE) CAREFULLY!

Major medical expense coverage is designed to provide, to persons

insured, comprehensive coverage for major hospital, medical, and

surgical expenses incurred as a result of a covered accident or

sickness. Coverage is provided for daily hospital room and

board, miscellaneous hospital services, surgical services,

anesthesia services, in-hospital medical services, and out-of-

hospital care, subject to any deductibles, copayment provisions,

or other limitations that may be set forth in the policy.

A brief specific description of the benefits, including dollar

amounts, contained in this policy, in the following order:

daily hospital room and board;

miscellaneous hospital services;

surgical services;

anesthesia services;

in-hospital medical services;

out-of-hospital care;maximum dollar amount for covered charges; and

other benefits, if any.

A description of any policy provisions that exclude, eliminate,

restrict, reduce, limit, delay, or in any other manner operate

to qualify payment of the benefits.

A description of policy provisions respecting renewability or

continuation of coverage, including age restrictions or any

reservation of right to change premiums.

(2) Basic Medical Expense Coverage.

An outline of coverage, in the form prescribed below, shall be issued in connection with policies meeting the standards of Subsection R590-233-7(2). The items included in the outline of coverage must appear in the sequence prescribed:

TABLE II

(COMPANY NAME)

BASIC MEDICAL EXPENSE COVERAGE

THIS (POLICY)(CERTIFICATE) PROVIDES LIMITED BENEFITS

OUTLINE OF COVERAGE

Read Your (Policy)(Certificate) Carefully-This outline of

coverage provides a very brief description of the important

features of your policy. This is not the insurance contract

and only the actual policy provisions will control. The policy

itself sets forth in detail the rights and obligations of both

you and your insurance company. It is, therefore, important that

you READ YOUR (POLICY)(CERTIFICATE) CAREFULLY!

Basic medical expense coverage is designed to provide, to persons

insured, limited coverage for major hospital, medical, and

surgical expenses incurred as a result of a covered accident or

sickness. Coverage is provided for daily hospital room and board,

miscellaneous hospital services, surgical services, anesthesia

services, in-hospital medical services, and out-of-hospital care,

subject to any deductibles, copayment provisions, or other

limitations that may be set forth in the policy.

A brief specific description of the benefits, including dollar

amounts, contained in this policy, in the following order:

daily hospital room and board;

miscellaneous hospital services;

surgical services;

anesthesia services;

in-hospital medical services;

out-of-hospital care;

maximum dollar amount for covered charges; and

other benefits, if any.

A description of any policy provisions that exclude, eliminate,

restrict, reduce, limit, delay, or in any other manner operate to

qualify payment of the benefits.

A description of policy provisions respecting renewability or

continuation of coverage, including age restrictions or any

reservation of right to change premiums.

(3) Catastrophic Coverage.

An outline of coverage, in the form prescribed below, shall be issued in connection with policies meeting the standards of Subsection R590-233-7(3). The items included in the outline of coverage must appear in the sequence prescribed:

TABLE III

(COMPANY NAME)

CATASTROPHIC COVERAGE

OUTLINE OF COVERAGE

Read Your (Policy)(Certificate) Carefully-This outline of

coverage provides a very brief description of the important

features of your policy. This is not the insurance contract

and only the actual policy provisions will control. The policy

itself sets forth in detail the rights and obligations of both

you and your insurance company. It is, therefore, important that

you READ YOUR (POLICY) (CERTIFICATE) CAREFULLY!

Catastrophic coverage is designed to provide benefits for medical

expenses incurred by the insured. Coverage is provided for daily

hospital room and board, miscellaneous hospital services,

surgical services, anesthesia services, in-hospital medical

services, and out-of-hospital care, subject to any deductibles

with no separate internal dollar limits.

A brief specific description of the benefits, including dollar

amounts, contained in this policy, in the following order:

daily hospital room and board;

miscellaneous hospital services;

surgical services;

anesthesia services;

in-hospital medical services;

out-of-hospital care; and

other benefits, if any.

A description of any policy provisions that exclude, eliminate,

restrict, reduce, limit, delay, or in any other manner operate

to qualify payment of the benefits.

A description of policy provisions respecting renewability or

continuation of coverage, including age restrictions or any

reservation of right to change premiums.

(4) An insurer shall deliver an outline of coverage to an applicant or enrollee prior to upon the sale of an individual accident and health insurance policy as required in this rule.

(5) If an outline of coverage was delivered at the time of application or enrollment and the policy or certificate is issued on a basis which would require revision of the outline, a substitute outline of coverage properly describing the policy or certificate must accompany the policy or certificate when it is delivered and contain the following statement in no less than 12-point type, immediately above the company name:

"NOTICE: Read this outline of coverage carefully. It is not identical to the outline of coverage provided upon application, and the coverage originally applied for has not been issued."

(6) Where the prescribed outline of coverage is inappropriate for the coverage provided by the policy or certificate, an alternate outline of coverage shall be submitted to the commissioner for prior approval.

(7) Advertisements may fulfill the requirements for outlines of coverage if they satisfy the standards specified for outlines of coverage in this rule.