1334                                      LAWS OF MARYLAND                                Ch. 651

Premiums for the insurance on such spouse or child shall be paid by the
policyholder, either from the policyholder's funds or funds contributed by him, or
from funds contributed by the insured employees or members, or from both.

(2)  A spouse or dependent child insured pursuant to this section shall be entitled
to the rights of conversion set forth in Sec. 434 in event of termination of
employment of the employee or in event of termination of membership in the class
or classes eligible for coverage under the policy, and the rights of conversion set
forth in Sec. 435 in event the group life policy terminates or is amended to
terminate the insurance of the spouse or dependent child.

(3)   Notwithstanding the provisions of Sec. 433 only one certificate need be
issued for each family unit if a statement concerning any dependent's coverage is
included in such certificate.

438.

No policy of health insurance shall be delivered or issued for delivery to any
person in this State unless it otherwise complies with this article, and complies
with the following:

(1)   The entire money and other considerations therefor shall be expressed
therein;

(2)  The time when the insurance takes effect and terminates shall be expressed
therein;

(3)  It shall purport to insure only one person, except that a policy may insure,
originally or by subsequent amendment, upon the application of an adult member
of a family, who shall be deemed the policyholder, any two (2) or more eligible
members of that family, including husband, wife, dependent children or any
children under a specified age which shall not exceed [nineteen] EIGHTEEN
years and any other person dependent upon the policyholder or any other person
related to and resident in the household of the insured.

(4)  The style, arrangement and [[over-all]] overall appearance of the policy
shall give no undue prominence to any portion of the text, and every printed
portion of the text of the policy and of any endorsements or attached papers shall
be plainly printed in lightfaced type of a style in general use, the size of which shall
be uniform and not less than ten (10) point with a lower case unspaced alphabet
length not less than one hundred and twenty (120) 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);

(5)  The exceptions and reductions of indemnity shall be set forth in the policy
and, other than those contained in Secs. 440 to 462, inclusive, of this subtitle, shall
be 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
"Exceptions and Reductions," except 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;

(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;

(7)  The policy shall contain no provision purporting to make any portion of the
charter, rules, constitution or bylaws 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