2010 LAWS OF MARYLAND [CH. 687

vision of insurance in the state where the insured resided at the
time this policy was issued; but if such filing was not required,
then the classification of occupational risk and the premium
rates shall be those last made effective by the insurer in such
state prior to the occurrence of the loss or prior to the date of
proof of change in occupation.

(2) A provision as follows: (Misstatement of Age. ) If the
age of the insured has been misstated, all amounts payable un-
der this policy shall be such as the premium paid would have
purchased at the correct age.

(3) A provision as follows: (Other Insurance in This In-
surer. ) If an accident or sickness or accident and sickness
policy or policies previously issued by the insurer to the in-
sured be in force concurrently herewith, making the aggregate
indemnity for.................. (insert type of coverage or

coverages) in excess of $.............. (insert maximum limit

of indemnity or indemnities) the excess insurance shall be void
and all premiums paid for such excess shall be returned to the
insured or to his estate,
or, in lieu thereof:

Insurance effective at any one time on the insured under a
like policy or policies in this insurer is limited to the one such
policy elected by the insured, his beneficiary or his estate, as
the case may be, and the insurer will return all premiums paid
for all other such policies.

(4) A provision as follows: (Insurance with Other Insurers. )
If there be other valid coverage, not with this insurer, provid-
ing benefits for the same loss on a provision of service basis
or on an expense incurred basis and of which this insurer has
not been given written notice prior to the occurrence or com-
mencement of loss, the only liability under any expense in-
curred coverage of this policy shall be for such proportion of
the loss as the amount which would otherwise have been pay-
able hereunder phis the total of the like amounts under all such
other valid coverages for the same loss of which this insurer
had notice bears to the total like amounts under all valid cover-
ages for such loss, and for the return of such portion of the
premiums paid as shall exceed the pro-rata portion for the
amount so determined. For the purpose of applying this pro-
vision when other coverage is on a provision of service basis,
the "like amount" of such other coverage shall be taken as the
amount which the services rendered would have cost in the ab-
sence of such coverage.

(If the foregoing policy provision is included in a policy
which also contains the next following provision there shall be