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90_HB2228
215 ILCS 5/356c from Ch. 73, par. 968c
Amends the Illinois Insurance Code. Makes a technical
change in a Section relating to medical expense coverage.
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LRB9004319JSfg
1 AN ACT to amend the Illinois Insurance Code by changing
2 Section 356c.
3 Be it enacted by the People of the State of Illinois,
4 represented in the General Assembly:
5 Section 5. The Illinois Insurance Code is amended by
6 changing Section 356c as follows:
7 (215 ILCS 5/356c) (from Ch. 73, par. 968c)
8 Sec. 356c. Coverage on expense-incurred basis.
9 (1) A No policy of accident and health insurance
10 providing coverage of hospital expenses or medical expenses
11 or both on an expense incurred basis which in addition to
12 covering the insured, also covers members of the insured's
13 immediate family, shall not contain any disclaimer, waiver or
14 other limitation of coverage relative to the hospital or
15 medical coverage or insurability of newborn infants from and
16 after the moment of birth.
17 (2) Each such policy of accident and health insurance
18 shall contain a provision stating that the accident and
19 health insurance benefits applicable for children shall be
20 granted immediately with respect to a newly born child from
21 the moment of birth. The coverage for newly born children
22 shall include coverage of illness, injury, congenital
23 defects, birth abnormalities and premature birth.
24 (3) If payment of a specific premium is required to
25 provide coverage for a child, the policy may require that
26 notification of birth of a newly born child must be furnished
27 to the insurer within 31 days after the date of birth in
28 order to have the coverage continue beyond such 31 day period
29 and may require payment of the appropriate premium.
30 (4) In the event that no other members of the insured's
31 immediate family are covered, immediate coverage for the
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1 first newborn infant shall be provided if the insured applies
2 for dependent's coverage within 31 days of the newborn's
3 birth. Such coverage shall be contingent upon payment of the
4 additional premium.
5 (5) The requirements of this Section shall apply, on or
6 after the sixtieth day following the effective date of this
7 Section, (a) to all such non-group policies delivered or
8 issued for delivery, and (b) to all such group policies
9 delivered, issued for delivery, renewed or amended. The
10 insurers of such non-group policies in effect on the sixtieth
11 day following the effective date of this Section shall extend
12 to owners of said policies, on or before the first policy
13 anniversary following such date, the opportunity to apply for
14 the addition to their policies of a provision as set forth in
15 paragraph (2) above, with, at the option of the insurer,
16 payment of a premium appropriate thereto.
17 (Source: P.A. 85-220.)