Idaho Administrative Code
Title IDAPA 18 - Insurance, Department of
Rule 18.04.08 - INDIVIDUAL AND GROUP SUPPLEMENTARY DISABILITY INSURANCE MINIMUM STANDARDS RULE
Section 18.04.08.001 - TITLE AND SCOPE

Universal Citation: ID Admin Code 18.04.08.001

Current through August 31, 2023

01. Title. IDAPA 18.04.08, "Individual and Group Supplementary Disability Insurance Minimum Standards Rule." (3-31-22)

02. Purpose. The purpose of this chapter is to implement Title 41, Chapters 21, 22, 34, and 42, Idaho Code, to standardize and simplify the terms and coverages of individual and group supplementary disability insurance, to facilitate public understanding and comparison of coverage, to eliminate provisions that may be misleading or confusing in connection with the purchase of the coverages or with the settlement of claims, and to provide for full disclosure in the marketing and sale of such insurance. (3-31-22)

03. Applicability and Scope. This chapter applies to all individual and group policies and certificates providing hospital confinement indemnity, disability income protection, accident only, specified disease, specified accident, or limited benefit health coverage, referred to collectively in this chapter as "supplementary disability insurance," offered, delivered, issued for delivery, or renewed in this state or to a resident of this state, unless specifically exempted. (3-31-22)

a. This chapter applies to dental plans and vision plans only as specified. (3-31-22)

b. This chapter applies to group supplementary plans whether issued to supplement a group health benefit plan, or as a supplementary plan that pays benefits regardless of other coverage. (3-31-22)

c. This chapter does not apply to: (3-31-22)
i. Individual policies or contracts issued pursuant to a conversion privilege under a group policy or certificate. (3-31-22)

ii. Policies issued to employees or members as additions to franchise plans. (3-31-22)

iii. Medicare supplement policies subject to Title 41, Chapter 44, Idaho Code, Medicare Supplement Insurance Minimum Standards. (3-31-22)

iv. Long-term care insurance policies subject to Title 41, Chapter 46, Idaho Code, Long Term Care Insurance. (3-31-22)

v. Civilian Health and Medical Program of the Uniformed Services, Title 10, Chapter 55, of the United States Code, (CHAMPUS) supplement insurance policies. (3-31-22)

vi. Individual or group major medical expense coverage, including short-term coverage. (3-31-22)

Disclaimer: These regulations may not be the most recent version. Idaho may have more current or accurate information. We make no warranties or guarantees about the accuracy, completeness, or adequacy of the information contained on this site or the information linked to on the state site. Please check official sources.
This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.