PARRIS N. GLENDENING, Governor                               Ch. 36

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

(3)     HAVE A TITLE, HEADING, OR OTHER INDICATION OF ITS
PROVISIONS THAT IS LIKELY TO MISLEAD THE POLICYHOLDER OR CERTIFICATE
HOLDER;

(4)      CONTAIN AN INEQUITABLE PROVISION OF INSURANCE WITHOUT
SUBSTANTIAL BENEFIT TO THE POLICYHOLDER;

(5)     BE PRINTED OR OTHERWISE REPRODUCED SO AS TO MAKE A
PROVISION OF THE FORM SUBSTANTIALLY ILLEGIBLE;

(6)     PROVIDE BENEFITS IN A HEALTH INSURANCE POLICY THAT ARE
UNREASONABLE IN RELATION TO THE PREMIUM CHARGED;

(7)      CONTAIN, IRRESPECTIVE OF THE PREMIUM CHARGED, A BENEFIT
THAT IS NOT SUFFICIENT TO BE OF REAL ECONOMIC VALUE TO THE INSURED;

(8)     FAIL TO PROVIDE MINIMUM BENEFITS OR COVERAGES THAT THE
COMMISSIONER CONSIDERS NECESSARY TO MEET THE MINIMUM NEEDS OF THE
INSURED; OR

(9)      IN A HEALTH INSURANCE APPLICATION FORM, CONTAIN INQUIRIES
ABOUT:

(I)      A PREEXISTING CONDITION, ILLNESS, OR DISEASE FOR WHICH
THE APPLICANT HAS NOT RECEIVED MEDICAL CARE OR ADVICE FROM A LICENSED
HEALTH CARE PROVIDER DURING THE 7 YEARS IMMEDIATELY BEFORE THE DATE
OF THE APPLICATION; OR

(II)     MEDICAL SCREENING, TESTING, MONITORING, OR ANY OTHER
SIMILAR MEDICAL PROCEDURE THAT THE COMMISSIONER SPECIFIES AND THAT
THE APPLICANT RECEIVED MORE THAN 7 YEARS BEFORE THE DATE OF
APPLICATION.

REVISOR'S NOTE: This section is new language derived without substantive
change from former Art. 48A, §§ 375(c) and 376(b) and the first sentence of
(a).

In subsection (a)(2) of this section, the former reference to the "particulars"
of the disapproval is deleted as included in the reference to "in reasonable
detail".

In subsection (b)(9)(ii) of this section, the reference to procedures that the
Commissioner "specifies" is substituted for the former references to those the
Commissioner "established" for clarity.

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