J. MILLARD TAWES, Governor                     1207

459.    Unpaid Premiums.

There may be a provision as follows:

"Unpaid Premiums: Upon the payment of a claim under this policy,
any premium then due and unpaid or covered by any note or written
order may be deducted therefrom."

460.    Conformity with State Statutes.

There may be a provision as follows:

"Conformity with State Statutes: Any provision of this policy
which, on its effective date is in conflict with the statutes of the state
in which the insured resides on such date is hereby amended to con-
form to the minimum requirements of such statutes."

461.    Illegal Occupation.

There may be a provision as follows:

"Illegal Occupation: The insurer shall not be liable for any loss to
which a contributing cause was the insured's commission of or at-
tempt to commit a felony or to which a contributing cause was the
insured's being engaged in an illegal occupation."

462.    Intoxicants and Narcotics.

There may be a provision as follows:

"Intoxicants and Narcotics: The insurer shall not be liable for any
loss sustained or contracted in consequence of the insured's being
intoxicated or under the influence of any narcotic unless administered
on the advice of a physician."

463.    Renewal at Option of Insurer.

Health insurance policies, other than accident insurance only
policies, in which the insurer reserves the right to refuse renewal
on an individual basis, shall provide in substance in a provision
thereof or in an endorsement thereon or rider attached thereto that
subject to the right to terminate the policy upon non-payment of
premium when due, such right to refuse renewal may not be exercised
so as to take effect before the renewal date occurring on, or after
and nearest, each policy anniversary (or in the case of lapse and
reinstatement, at the renewal date occurring on, or after and nearest,
each anniversary of the last reinstatement), and that any refusal
of renewal shall be without prejudice to any claim originating while
the policy is in force. (The parenthetic reference to lapse and re-
instatement may be omitted at the insurer's option).

464.    Order of Certain Provisions.

The provisions which are the subject of sections 440 to 462, in-
clusive, of this subtitle, or any corresponding provisions which are
used in lieu thereof in accordance with such sections, shall be printed
in the consecutive order of the provisions in such sections or, at the
option of the insurer, any such provision may appear as a unit in any
part of the policy, with other provisions to which it may be logically
related, provided that the resulting policy shall not be in whole or in
part unintelligible, uncertain, ambiguous, abstruse, or likely to mis-
lead a person to whom the policy is offered, delivered or issued.