Idaho Administrative Code
Title IDAPA 18 - Insurance, Department of
Rule 18.04.08 - INDIVIDUAL AND GROUP SUPPLEMENTARY DISABILITY INSURANCE MINIMUM STANDARDS RULE
Section 18.04.08.037 - ACCIDENT ONLY COVERAGE

a. Accidental death and double dismemberment amounts under the policy or certificate are at least one thousand dollars ($1,000); (3-31-22)

b. A single dismemberment amount is at least five hundred dollars ($500); and (3-31-22)

c. Benefits for disability, hospital or medical care will be as defined in the policy or certificate. (3-31-22)

a. All accident-only policies and certificates will contain a prominent statement on the first page of the policy or certificate, in either contrasting color or in boldface type at least equal to the size of type used for headings or captions of sections in the policy or certificate, a prominent statement as follows: "Notice to Buyer: This is an accident-only (policy) (certificate) and it does not pay benefits for loss from sickness. Review your (policy) (certificate) carefully." (3-31-22)

b. An accident-only policy or certificate providing benefits that vary according to the type of accidental cause will prominently set forth in the outline of coverage the circumstances under which benefits are payable that are less than the maximum amount payable under the policy or certificate. (3-31-22)

c. Accident-only policies or certificates that provide coverage for hospital or medical care will contain the following statement in addition to the Notice to Buyer: "This (policy) (certificate) provides limited benefits. Benefits provided are supplemental and are not intended to cover all medical expenses." (3-31-22)