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Substitute House Bill No. 5438

PUBLIC ACT NO. 96-87

AN ACT CONCERNING SHORT-TERM POLICIES.

Be it enacted by the Senate and House of Representatives in General Assembly convened:

Section 1. Subdivision (1) of subsection (a) of section 38a-476 of the general statutes is repealed and the following is substituted in lieu thereof:

(a)(1) ["Health] FOR THE PURPOSES OF THIS SECTION, "HEALTH insurance plan" means any hospital and medical expense incurred policy, hospital or medical service plan contract and health care center subscriber contract and does not include (A) SHORT-TERM HEALTH INSURANCE ISSUED ON A NONRENEWABLE BASIS WITH A DURATION OF SIX MONTHS OR LESS accident only, credit, dental, vision, Medicare supplement, long-term care or disability insurance, hospital indemnity coverage, coverage issued as a supplement to liability insurance, insurance arising out of a workers' compensation or similar law, automobile medical payments insurance, or insurance under which beneficiaries are payable without regard to fault and which is statutorily required to be contained in any liability insurance policy or equivalent self-insurance, or (B) policies of specified disease or limited benefit health insurance, provided that the carrier offering such policies files on or before March first of each year a certification with the Insurance Commissioner that contains the following: (i) A statement from the carrier certifying that such policies are being offered and marketed as supplemental health insurance and not as a substitute for hospital or medical expense insurance; (ii) a summary description of each such policy including the average annual premium rates, or range of premium rates in cases where premiums vary by age, gender or other factors, charged for such policies in the state; and (iii) in the case of a policy that is described in this subparagraph and that is offered for the first time in this state on or after October 1, 1993, the carrier files with the commissioner the information and statement required in this subparagraph at least thirty days prior to the date such policy is issued or delivered in this state.

Sec. 2. Section 38a-476 of the general statutes is amended by adding subsection (f) as follows:

(NEW) (f) A short-term health insurance policy issued on a nonrenewable basis for six months or less shall not be subject to this section, provided, any policy, application or sales brochure issued for such short-term insurance which imposes a preexisting conditions provision shall disclose that such preexisting conditions are not covered.

Sec. 3. This act shall take effect from its passage.

Approved May 8, 1996. Effective May 8, 1996.

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