402 LAWS OF MARYLAND. [CH. 271

ment), title "Insurance", sub-title "Life, Accident and
Health Insurance", as said Section was amended by Chap-
ter 549 of the Acts of 1945, said new sub-section to follow
immediately after Sub-section (3) of said Section 106 and
to be known as Sub-section (4), relating to the filing and
approval of forms of Health and Accident policies, endorse-
ments and of the classification of risks and the filing of
Health and Accident premium rates.

SECTION 1. Be it enacted 'by the General Assembly of Mary-
land, That a new sub-section be and the same is hereby added
to Section 106 of Article 48A of the Annotated Code of Mary-
land (1943 Supplement), title "Insurance", sub-title "Life,
Health and Accident Insurance", as said section was amended
by Chapter 549 of the Acts of 1945, said new sub-section to
follow immediately after Sub-section (3) of said Section 106
of said Article, to he known as Sub-section (4), and to read
as follows:

106.

(4) a. No policy of insurance against loss or expense from
the sickness or from bodily injury or death by accident of the
insured, or against expense of hospital confinement of the
insured or any of his dependents shall be issued or delivered
to any person in this State nor shall any application, rider
or endorsement be used in connection therewith until not
only all the provisions of Sub-sections (1), (2) and (3) relat-
ing to the filing and approval of Health and Accident policy,
application, rider or endorsement forms for use in connection
therewith shall have been complied with, but also until the
premium rates and classification of risks applicable thereto,
or, in the case of co-operatives or assessment companies the
estimated cost pertaining thereto, shall have been filed with
the Insurance Commissioner.

b. The Commissioner may, within 45 days after the filing
of any such form, disapprove such form (1) if the benefits
provided therein are unreasonable in relation to the premium
charged, or (2) if it contains a provision or provisions which
are unjust, unfair, inequitable, misleading, deceptive or en-
courage misrepresentation of such policy. If the Commis-
sioner shall notify the insurer which has filed any such form
that it does not comply with the provisions of this Section
or Sections 106A, 106B or 106C, it shall be unlawful there-
after for such insurer to issue such form or use it in connec-
tion with any policy. In such notice the Commissioner shall
specify the reasons for his disapproval and state that a hear-
ing will be granted within 20 days after request in writing
by the insurer.