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215 ILCS 5/356a
(215 ILCS 5/356a) (from Ch. 73, par. 968a)
Sec. 356a.
Form of
policy.
(1) No policy of accident and health insurance shall be delivered or
issued for delivery to any person in this state unless:
(a) the entire money and other considerations therefor are expressed
therein; and
(b) the time at which the insurance takes effect and terminates is
expressed therein; and
(c) it purports to insure only one person, except that a policy may
insure, originally or by subsequent amendment, upon the application of an
adult member of a family who shall be deemed the policyholder, any two or
more eligible members of that family, including husband, wife, dependent
children or any children under a specified age which shall not exceed 19
years and any other person dependent upon the policyholder; and
(d) the style, arrangement and over-all appearance of the policy give no
undue prominence to any portion of the text, and unless every printed
portion of the text of the policy and of any endorsements or attached
papers is plainly printed in light-faced type of a style in general use,
the size of which shall be uniform and not less than ten-point with a
lower-case unspaced alphabet length not less than one hundred and
twenty-point (the "text" shall include all printed matter except the name
and address of the insurer, name or title of the policy, the brief
description if any, and captions and subcaptions); and
(e) the exceptions and reductions of indemnity are set forth in the
policy and, except those which are set forth in Sections 357.1 through
357.30 of this act, are printed, at the insurer's option, either included
with the benefit provision to which they apply, or under an appropriate
caption such as "EXCEPTIONS", or "EXCEPTIONS AND REDUCTIONS", provided that
if an exception or reduction specifically applies only to a particular
benefit of the policy, a statement of such exception or reduction shall be
included with the benefit provision to which it applies; and
(f) each such form, including riders and endorsements, shall be
identified by a form number in the lower left-hand corner of the first page
thereof; and
(g) it contains no provision purporting to make any portion of the
charter, rules, constitution, or by-laws of the insurer a part of the
policy unless such portion is set forth in full in the policy, except in
the case of the incorporation of, or reference to, a statement of rates or
classification of risks, or short-rate table filed with the Director.
(2) If any policy is issued by an insurer domiciled in this state for
delivery to a person residing in another state, and if the official having
responsibility for the administration of the insurance laws of such other
state shall have advised the Director that any such policy is not subject
to approval or disapproval by such official, the Director may by ruling
require that such policy meet the standards set forth in subsection (1) of
this section and in Sections 357.1 through 357.30.
(Source: P.A. 76-860.)
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