1214                                    LAWS OF MARYLAND                              Ch. 569

(1)  IS IN ANY RESPECT IN VIOLATION OF OR DOES NOT COMPLY
WITH THIS ARTICLE; OR

(2)   CONTAINS OR INCORPORATES BY REFERENCE, WHERE THE
INCORPORATION         IS OTHERWISE PERMISSIBLE, ANY
INCONSISTENT, AMBIGUOUS, OR MISLEADING CLAUSES, OR
EXCEPTIONS AND CONDITIONS WHICH DECEPTIVELY AFFECT THE
RISK PURPORTED TO BE ASSUMED IN THE GENERAL COVERAGE OF
THE CONTRACT; OR

(3)   HAS ANY TITLE, HEADING. OR OTHER INDICATION OF ITS
PROVISIONS WHICH IS LIKELY TO MISLEAD THE POLICYHOLDER
OR CERTIFICATE HOLDER; OR

(4)  CONTAINS AN INEQUITABLE PROVISION OR PROVISIONS OF
INSURANCE WITHOUT SUBSTANTIAL BENEFIT TO THE
POLICYHOLDER; OR

(5)  IS PRINTED OR OTHERWISE REPRODUCED IN A MANNER AS
TO RENDER ANY PROVISION OF THE FORM SUBSTANTIALLY
ILLEGIBLE; OR

(6)     [[CONTAINS BENEFITS THAT ARE UNREASONABLE IN
RELATION TO THE PREMIUM CHARGED]] IF THE BENEFITS
PROVIDED IN ANY HEALTH INSURANCE POLICY [[OTHER THAN A
GROUP POLICY]] ARE UNREASONABLE IN RELATION TO THE
PREMIUM CHARGED; OR

(7)  CONTAINS IRRESPECTIVE OF THE PREMIUM CHARGED, ANY
BENEFIT WHICH IS NOT SUFFICIENT TO BE OF REAL ECONOMIC
VALUE TO THE INSURED; OR

(8)  DOES NOT PROVIDE MINIMUM BENEFITS OR COVERAGES AS
DEEMED NECESSARY BY THE COMMISSIONER IN ORDER TO MEET
THE MINIMUM NEEDS OF THE INSURED.

(C) THE COMMISSIONER, AFTER HOLDING HEARINGS AS
PROVIDED FOR UNDER SECTION 375A OF THIS SUBTITLE AND
AFTER EVALUATION OF THE FACTS AND EVIDENCE DEVELOPED
FROM THE HEARINGS, SHALL ESTABLISH AS CONDITIONS
WARRANT MINIMUM BENEFITS AND COVERAGES AS MAY BE
NECESSARY TO MEET THE NEEDS OF THE INSURED.

SECTION 2. AND BE IT FURTHER ENACTED, That this Act shall take
effect July 1, 1973.

Approved May 21, 1973.