2004 LAWS OF MARYLAND [CH. 687

of any endorsements or attached papers is plainly printed in
light-faced type of a style in general use, the size of which shall
be uniform and not less than ten-point with a lower-case un-
spaced alphabet length not less than one hundred and twenty-
point (the "text" shall include all printed matter except the
name and address of the insurer, name or title of the policy,
the brief description if any, and captions and subcaptions); and

(5) the exceptions and reductions of indemnity are set forth
in the policy and, except those which are set forth in Section
106C of this act, are printed, at the insurer's option, either
included with the benefit provision to which they apply, or
under an appropriate caption such as "EXCEPTIONS", or "EX-
CEPTIONS AND REDUCTIONS", provided that if an exception or
reduction specifically applies only to a particular benefit of
the policy, a statement of such exception or reduction shall
be included with the benefit provision to which it applies; and

(6) each such form, including riders and endorsements, shall
be identified by a form number in the lower left-hand corner
of the first page thereof; and

(7) it contains no provision purporting to make any portion
of the charter, rules, constitution, or by-laws of the insurer a
part of the policy unless such portion is set forth in full in 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 filed with the Commissioner.

(B) If any policy is issued by an insurer domiciled in this
State for delivery to a person residing in another state, and if
the official having the responsibility for the administration of
the insurance laws of such other state shall have advised the
Commissioner that any such policy is not subject to approval
or disapproval by such official, the Commissioner may by rul-
ing require that such policy meet the standards set forth in
Sub-section (A) of this section and in Section 106C.

106C. (Accident and Sickness Policy Provisions. ) (A) Re-
quired Provisions. Except as provided in paragraph (C) of
this section each such policy delivered or issued for delivery to
any person in this State shall contain the provisions specified
in this sub-section in the words in which the same appear in
this section; provided, however, that the insurer may, at its
option, substitute for one or more of such provisions corres-
ponding provisions of different wording approved by the Com-
missioner which are in each instance not less favorable in any
respect to the insured or the beneficiary. Such provisions shall
be preceded individually by the caption appearing in this sub-
section or, at the option of the insurer, by such appropriate in-