Ch. 35

1997 LAWS OF MARYLAND

"Insurer" § 1-101
"Policy" § 1-101
"Premium" § 1-101

15-202. LANGUAGE AND ORDER OF POLICY PROVISIONS.

(A) IN GENERAL.

EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION, EACH POLICY OF HEALTH
INSURANCE THAT IS DELIVERED OR ISSUED FOR DELIVERY IN THE STATE:

(1) SHALL CONTAIN THE EXACT LANGUAGE OF EACH PROVISION THAT
IS REQUIRED UNDER §§ 15-207 THROUGH 15-218 OF THIS SUBTITLE AND ANY
OPTIONAL PROVISION IN §§ 15-207 THROUGH 15-228 OF THIS SUBTITLE THAT IS USED;
AND

(2) SHALL CONTAIN EACH MANDATORY PROVISION AND ANY
OPTIONAL PROVISION THAT IS USED:

(I) IN THE ORDER IN WHICH THOSE PROVISIONS APPEAR IN THIS

SUBTITLE; OR

(II) AS INDIVIDUAL ITEMS IN ANY PART OF THE POLICY WITH
OTHER PROVISIONS TO WHICH THEY MAY BE LOGICALLY RELATED, IF THE
RESULTING POLICY IS NOT WHOLLY OR PARTLY UNINTELLIGIBLE, UNCERTAIN, OR
LIKELY TO MISLEAD A PERSON TO WHOM THE POLICY IS OFFERED, DELIVERED, OR

ISSUED.

(B) SUBSTITUTE PROVISIONS.

THE INSURER MAY SUBSTITUTE A CORRESPONDING PROVISION WITH
DIFFERENT WORDING FOR A PROVISION SET FORTH IN THIS SUBTITLE IF THE
CORRESPONDING PROVISION IS APPROVED BY THE COMMISSIONER AND IS NOT
LESS FAVORABLE IN ANY RESPECT TO THE INSURED OR BENEFICIARY.

(C) INAPPLICABLE AND INCONSISTENT PROVISIONS.

IF A PROVISION SPECIFIED IN §§ 15-207 THROUGH 15-218 OF THIS SUBTITLE IS
WHOLLY OR PARTLY INAPPLICABLE TO OR INCONSISTENT WITH THE COVERAGE
PROVIDED BY A PARTICULAR FORM OF POLICY, THE INSURER, WITH THE APPROVAL
OF THE COMMISSIONER, SHALL:

(1) OMIT FROM THE POLICY THE INAPPLICABLE PROVISION OR PART OF
THE PROVISION; OR

(2) MODIFY THE INCONSISTENT PROVISION OR PART OF THE
PROVISION TO MAKE IT CONSISTENT WITH THE COVERAGE PROVIDED BY THE

POLICY.

(D) CAPTIONS,

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