J. MILLARD TAWES, Governor                        793

SECTION 1. Be it enacted by the General Assembly of Maryland,
That sub-sections (a) and (f) of Section 375 of Article 48A of the
Annotated Code of Maryland (1964 Replacement Volume), title
"Insurance Code", sub-title "22. The Insurance Contract; General",
be and they hereby are repealed and re-enacted, with amendments,
to read as follows:

375.

(a) No life or health insurance policy or annuity contract form,
or application form where written application is required and is to
be made a part of such policy or contract, or rider or endorsement
form, shall be delivered, or issued for delivery in this State, unless
the form has been filed with and approved by the Commissioner.
No individual certificate shall be used in connection with any SUCH
group or blanket insurance policy or group annuity contract unless
the form thereof has been filed with and approved by the Commis-
sioner. This provision shall not apply to riders, endorsements, or
forms of unique character designed for and which relate to the
manner of distribution of benefits or to the reservation of rights and
benefits under such policies or contracts and are used at the request
of the individual policyholder, contract holder, or certificate holder.

(f) In the case of group policies of life insurance [policies], or

health insurance [policies, and] or group annuity contracts, the
Commissioner shall MAY approve such policies and contracts in
loose leaf form and alternate pages submitted separately for use
with such policies and contracts, if the provisions thereof otherwise
comply with this article. Combinations of approved pages may be
used to form complete policies and contracts provided a schedule is
filed with the Commissioner showing the pages to be used to form
any particular policy or contract.

(F) IN THE CASE OF LIFE INSURANCE POLICIES,
HEALTH INSURANCE POLICIES, AND ANNUITY CON-
TRACTS, THE COMMISSIONER SHALL APPROVE SUCH POLI-
CIES AND CONTRACTS IN LOOSE-LEAF FORM AND SHALL
APPROVE ALTERNATE PAGES SUBMITTED SEPARATELY
FOR USE WITH SUCH POLICIES AND CONTRACTS IF THE
PROVISIONS THEREOF OTHERWISE COMPLY WITH THIS
ARTICLE, PROVIDED HOWEVER THAT WHEN ALTERNATE
PAGES ARE FILED SUBSEQUENT TO THE APPROVAL OF
THE POLICY, POLICIES OR CONTRACTS WITH WHICH THEY
ARE TO BE USED, THE COMMISSIONER MAY REQUIRE
THAT SUCH POLICY, POLICIES OR CONTRACTS BE SUBMIT-
TED THEREWITH TOGETHER WITH EXPLANATION OF
THE INTENDED USAGE OF SUCH ALTERNATE PAGES.
COMBINATIONS OF APPROVED PAGES MAY BE USED TO
FORM COMPLETE POLICIES AND CONTRACTS PROVIDED
A SCHEDULE IS FILED WITH THE COMMISSIONER SHOW-
ING THE PAGES TO BE USED TO FORM ANY PARTICULAR
POLICY OR CONTRACT.

Sec. 2. And be it further enacted, That this Act shall take effect
June 1, 1965.

Approved April 8, 1965.