44-710.01 Sickness and accident insurance; standard policy provisions; requirements; enumeration.
44-710.01. Sickness andaccident insurance; standard policy provisions; requirements; enumeration.No policy of sickness and accident insurance shall be deliveredor issued for delivery to any person in this state unless (1) the entire moneyand other considerations therefor are expressed therein, (2) the time at whichthe insurance takes effect and terminates is expressed therein, (3) it purportsto insure only one person, except that a policy may insure, originally orby subsequent amendment, upon the application of an adult member of a familywho shall be deemed the policyholder, any two or more eligible members ofthat family, including husband, wife, dependent children, any children enrolledon a full-time basis in any college, university, or trade school, or any childrenunder a specified age which shall not exceed thirty yearsand any other person dependent upon the policyholder; any individual policyhereinafter delivered or issued for delivery in this state which providesthat coverage of a dependent child shall terminate upon the attainment ofthe limiting age for dependent children specified in the policy shall alsoprovide in substance that attainment of such limiting age shall not operateto terminate the coverage of such child during the continuance of such policyand while the child is and continues to be both (a) incapable of self-sustainingemployment by reason of mental retardation or physical handicap and (b) chieflydependent upon the policyholder for support and maintenance, if proof of suchincapacity and dependency is furnished to the insurer by the policyholderwithin thirty-one days of the child's attainment of the limiting age and subsequentlyas may be required by the insurer but not more frequently than annually afterthe two-year period following the child's attainment of the limiting age;such insurer may charge an additional premium for and with respect to anysuch continuation of coverage beyond the limiting age of the policy with respectto such child, which premium shall be determined by the insurer on the basisof the class of risks applicable to such child, (4) it contains a title onthe face of the policy correctly describing the policy, (5) the exceptionsand reductions of indemnity are set forth in the policy and, except thosewhich are set forth in sections 44-710.03 and 44-710.04, are printed, at theinsurer's option, either included with the benefit provision to which theyapply or under an appropriate caption such as EXCEPTIONS, or EXCEPTIONS ANDREDUCTIONS; if an exception or reduction specifically applies only to a particularbenefit of the policy, a statement of such exception or reduction shall beincluded with the benefit provision to which it applies, (6) each such form,including riders and endorsements, shall be identified by a form number inthe lower left-hand corner of the first page thereof, (7) it contains no provisionpurporting to make any portion of the charter, rules, constitution, or bylawsof the insurer a part of the policy unless such portion is set forth in fullin 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 filedwith the Director of Insurance, and (8) on or after January 1, 1999, any restrictiverider contains a notice of the existence of the Comprehensive Health InsurancePool if the policy provides health insurance as defined in section 44-4209. SourceLaws 1957, c. 188, § 2, p. 643; Laws 1969, c. 374, § 1, p. 1333; Laws 1989, LB 92, § 131; Laws 1998, LB 1063, § 1; Laws 2009, LB551, § 1.