240                                       LAWS OF MARYLAND                                Ch. 167

Notwithstanding any provision of a group or individual policy, or contract, or
any certificate issued thereunder, of health and/or sickness, and/or accident,
and/or disability insurance, delivered within the State, or issued to a group which
is incorporated or has a main office located in the State, or covering, persons who
reside or work within the State, whenever such policy, contract or certificate
provides for reimbursement for any service which is within the lawful scope of
practice of a duly certified psychologist, the insured, or any other person covered
by the policy, contract or certificate, shall be entitled to reimbursement for such
service, whether the [services] SERVICE is performed by a doctor of medicine or
a duly certified psychologist. The provisions of this section shall apply to all such
policies, contracts or certificates issued, renewed, modified, altered, amended or
reissued on or after July 1, 1972.

[244.1 242A.

(a) This section applies to all kinds and classes of insurance which insure or
guarantee titles to real or leasehold property or any estate therein, or against loss
by reason of defects, encumbrances, liens or charges on real or leasehold property
or any estate therein; or which insure or guarantee the validity, priority and status
of real and leasehold property liens and estates; or which insure or guarantee the
correctness and sufficiency or searches for instruments, liens, charges or other
matters affecting the title to real or leasehold property or any estate therein. Any
person making such guarantees or issuing such insurance shall be deemed to be
engaged in the business of title insurance and is hereinafter referred to as
"insurer".

(b)  All rates will be made in accordance with the following provisions:

(1)  Rates shall be reasonable and adequate for the class of risks to which they
apply.

(2)  Rates shall not discriminate unfairly between risks involving essentially the
same hazards and expense elements.

(3)   Due consideration will be given to past and prospective loss experience
within and outside the State, reasonable margin for profit and contingencies, cost
of participating insurance, percentage to be allocated to reserve, operating expense
and all other relevant factors fairly attributable to the business of title insurance.

(4)  Guarantees may be grouped by classification for the establishment of rates
and minimum premiums. A special or unusual guarantee, more hazardous to the
insurer than ordinary title guarantees because of an alleged irregularity or a
difference in interpretation or application of law which might affect marketability
of title, may be classified individually and separately according to the
circumstances peculiar to each case.

(c)  (1) Every insurer must file with the Commissioner, any manual or schedule
of rates or premiums which it proposes to use, together with any rules or
regulations governing the setting or making of such rates or premiums, and
indicate the character or extent of coverage contemplated under such rates and
premiums, except that insurers need not include rates or premiums for a special or
unusual guarantee as defined in subsection (b) (4), and such rates or premiums
may be classified individually and separately according to the circumstances
peculiar to each case.

(2) Every insurer must file with the Commissioner, all forms of contracts,
policies or guarantees of insurance with any and all types of modifications thereof,
except as to special or unusual risks, which it proposes to use.