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Chapter 48.20 RCW


Scope of chapter.
Format of disability policies.
Return of policy and refund of premiumNotice requiredEffect of return.
Policies issued by domestic insurer for delivery in another state.
Schedule of rates for individual health benefit plansLoss ratioDefinitions.
Calculation of premiumsAdjusted community rating methodDefinitions.
Calculation of premiumsMembers of a purchasing poolAdjusted community rating methodDefinitions.
Standard provisions requiredSubstitutionsCaptions.
Standard provision No. 1Entire contract; changes.
Standard provision No. 2Misstatement of age or sex.
Standard provision No. 3Time limit on certain defenses.
Standard provision No. 4Grace period.
Standard provision No. 5Reinstatement.
Standard provision No. 6Notice of claim.
Standard provision No. 7Claim forms.
Standard provision No. 8Proofs of loss.
Standard provision No. 9Time of payment of claims.
Standard provision No. 10Payment of claims.
Standard provision No. 11Physical examination and autopsy.
Standard provision No. 12Legal actions.
Standard provision No. 13Change of beneficiary.
Optional standard provisions.
Optional standard provision No. 14Change of occupation.
Optional standard provision No. 15Other insurance in this insurer.
Optional standard provision No. 16Insurance with other insurers (Provision of service or expense incurred basis).
Optional standard provision No. 17Insurance with other insurers.
Optional standard provision No. 18Relation of earnings to insurance.
Optional standard provision No. 19Unpaid premium.
Optional standard provision No. 20Cancellation.
Optional standard provision No. 21Conformity with state statutes.
Optional standard provision No. 22Illegal occupation.
Order of certain policy provisions.
Third party ownership.
Requirements of other jurisdictions.
Age limit.
Effective date of standard provision and certain other sectionsFive year period.
"Family expense disability insurance" defined.
"Franchise plan" defined.
Extended disability benefit.
Incontestability after reinstatement.
When injury caused by intoxication or use of narcotics.
Prescribed, self-administered anticancer medication.
Podiatric medicine and surgery.
Diabetes coverage.
Prostate cancer screening.
MammogramsInsurance coverage.
Reconstructive breast surgery.
Mastectomy, lumpectomy.
Registered nurses or advanced registered nurses.
Psychological services.
Dental services that are not subject to contract or provider agreement.
Denturist services.
Dependent child coverageContinuation for incapacity.
Dependent child coverageFrom moment of birthCongenital anomaliesNotification of birth.
Option to cover dependents under age twenty-six.
Standardization and simplification of terms and coveragesDisclosure requirements.
Standardization and simplificationMinimum standards for benefits and coverages.
Standardization and simplificationOutline of coverageFormat and contents.
Standardization and simplificationSimplified application formCoverage of loss from preexisting health condition.
Continuation of coverage by former spouse and dependents.
Coverage for adopted children.
Cancellation of rider.
PrescriptionsPreapproval of individual claimsSubsequent rejection prohibitedWritten record required.
Nonresident pharmacies.
Fixed payment insuranceStandard disclosure form.
Fixed payment insuranceBenefit restrictions.
Mental health servicesDefinitionCoverage required, when.
ConstructionChapter applicable to state registered domestic partnerships2009 c 521.
Approval of policy forms: RCW 48.18.100.
Assignment of policies: RCW 48.18.360.
Exemption of proceeds: RCW 48.18.400.
General provisions regarding filing, approval, contents of policies, execution, applications, etc.: Chapter 48.18 RCW.
Grounds for disapproval of policy forms: RCW 48.18.110.
Insurable interest, personal insurance, nonprofit organizations: RCW 48.18.030.
Minimum standard conditions and terminology for disability policies, established by commissioner: RCW 48.18.120(2).
Minor contracting for life or disability insurance: RCW 48.18.020.
Payment to person designated in policy or by assignment discharges insurer: RCW 48.18.370.
Rates, manuals, classificationsFiling: RCW 48.19.010(2).
Refusal to renew or cancellation of disability insurance: RCW 48.18.298, 48.18.299.