PARRIS N. GLENDENING, Governor

Ch. 647

(2)     CONTAINS, OR INCORPORATES BY REFERENCE, ANY INCONSISTENT
OR INCONSISTENT OR INAPPLICABLE CLAUSES, EXCEPTIONS, OR CONDITIONS
WHICH AFFECT THE RISK PURPORTED TO BE ASSUMED IN THE GENERAL COVERAGE
OF THE CONTRACT;

(3)     HAS ANY TITLE, HEADING, OR OTHER INDICATION OF ITS
PROVISIONS WHICH IS LIKELY TO MISLEAD THE SUBSCRIBER OR MEMBER;

(4)     INCLUDES PROVISIONS THAT ARE INEQUITABLE, OR PROVISIONS
THAT LACK ANY SUBSTANTIAL BENEFIT TO THE SUBSCRIBER OR MEMBER;

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

(6)     PROVIDES BENEFITS THAT ARE UNREASONABLE IN RELATION TO
THE PREMIUM CHARGED.

[(d)](G) Unless the Commissioner disapproves a filing under this section, the
filing becomes effective 60 days after the office of the Commissioner receives the filing or
on any other date that the Commissioner sets.

SECTION 2. AND BE IT FURTHER ENACTED. That the Laws of Maryland read
as follows:

Article - Insurance

12-205.

(a) (1) The Commissioner shall disapprove a form or withdraw the previous
approval of a form filed under § 12-203 of this subtitle if the form does not meet the
requirements of subsection (b) of this section.

(2) The order of disapproval or withdrawal of approval shall inform the insurer
fin reasonable detail of the Commissioner's grounds for the action] OF:

(I) A STATUTORY OR REGULATORY BASIS FOR THE DISAPPROVAL OR
WITHDRAWAL OF APPROVAL; AND

(II) AN EXPLANATION OF THE APPLICATION OF THE STATUTORY OR
REGULATORY BASIS FOR THE DISAPPROVAL OR WITHDRAWAL OF APPROVAL

SECTION 2. 3. AND BE IT FURTHER ENACTED, That Section I of this Act
shall take effect October 1, 1996.

SECTION 4. AND BE IT FURTHER ENACTED, That Section 2 of this Act shall
take effect October 1, 1997.

Approved May 23, 1996.

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