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(215 ILCS 5/364) (from Ch. 73, par. 976)
Sec. 364. Discrimination prohibited. Discrimination between
individuals of the same class of risk in the issuance of its policies
or in the amount of premiums or rates charged
for any insurance covered by this article, or in the benefits
payable thereon, or in any of the terms or conditions of such policy, or
in any other manner whatsoever is prohibited. Nothing in this provision
shall prohibit an insurer from providing incentives for insureds to utilize
the services of a particular hospital or person. It is hereby expressly
provided that whenever the terms "physician" or "doctor" appear or are
used in any way in any policy of accident or health insurance issued in
this state, said terms shall include within their meaning persons
licensed to practice dentistry under the Illinois Dental Practice Act with
regard to benefits payable for services performed by a person so
licensed, which such services are within the coverage provided by the
particular policy or contract of insurance and are within the
professional services authorized to be performed by such person under
and in accordance with the said Act.
No company, in any policy of accident or health insurance issued in this
State, shall make or permit any distinction or discrimination against
individuals solely because of the individuals' disabilities in the amount of
payment of premiums or rates charged for policies of insurance, in the
amount of any dividends or other benefits payable thereon, or in any other
terms and conditions of the contract it makes, except where the distinction
or discrimination is based on sound actuarial principles or is related to
actual or reasonably anticipated experience.
No company shall refuse to insure, or refuse to continue to insure,
or limit the amount or extent or kind of coverage available to an
individual, or charge an individual a different rate for the same coverage
solely because of blindness or partial blindness. With respect to all
other conditions, including the underlying cause of the blindness or
partial blindness, persons who are blind or partially blind shall be
subject to the same standards of sound actuarial principles or actual or
reasonably anticipated experience as are sighted persons. Refusal to
insure includes denial by an insurer of disability insurance coverage on
the grounds that the policy defines "disability" as being presumed in the
event that the insured loses his or her eyesight.
(Source: P.A. 99-143, eff. 7-27-15.)
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