X hits on this document

PDF document

INSURANCE CONTRACTS GENERALLY - page 11 / 12

42 views

0 shares

0 downloads

0 comments

11 / 12

Updated 2013−14 Wis. Stats. Published and certified under s. 35.18. January 1, 2015.

11

Updated 13−14 Wis. Stats.

INSURANCE CONTRACTS GENERALLY

631.95

the person whose life is insured is, a victim of abuse or domestic abuse.

(f) Under property insurance coverage that excludes coverage for loss or damage to property resulting from intentional acts, deny payment to an insured for a claim based on property loss or damage resulting from an act, or pattern, of abuse or domestic abuse if that insured did not cooperate in or contribute to the cre- ation of the loss or damage and if the person who committed the act or acts that caused the loss or damage is criminally prosecuted for the act or acts. Payment to the innocent insured may be limited in accordance with his or her ownership interest in the property or reduced by payments to a mortgagee or other holder of a secured interest.

(3) EXCEPTIONS AND QUALIFICATIONS RELATED TO PROHIBI- TIONS. (a) Disability insurance. In establishing premiums for an individual or group disability insurance policy or a certificate of group disability insurance, an insurer may inquire about a per- son’s existing medical condition and, based on the opinion of a qualified actuary, as defined in s. 623.06 (1c), use information related to a person’s existing medical condition, regardless of whether that condition is or may have been caused by abuse or domestic abuse.

2. Refuse to issue such a policy or certificate to a person who is or was, or who the insurer has reason to believe is or was, a per- petrator of abuse or domestic abuse against the person who is to be the insured under the policy.

3. Refuse to issue such a policy or certificate to a person who lacks an insurable interest in the person who is to be the insured under the policy.

4. For purposes of underwriting; administering a claim under; or determining a person’s eligibility for coverage, a benefit or pay- ment under; such a policy or certificate; or for purposes of servic- ing such a policy or certificate or an application for such a policy or certificate; inquire about and use information related to a per- son’s medical history or existing medical condition, regardless of whether that condition is or may have been caused by abuse or domestic abuse. Any adverse underwriting decision based on a person’s medical history or medical condition must be made in conformity with sound actuarial principles or otherwise supported by actual or reasonably anticipated experience.

(4) IMMUNITY FOR INSURERS. An insurer is immune from any civil or criminal liability for any action taken under sub. (3) or for the death of, or injury to, an insured that results from abuse or domestic abuse.

(b) Life insurance. With respect to an individual or group life insurance policy or a certificate of group life insurance, an insurer may, on the basis of information in medical, law enforcement or court records, or on the basis of information provided by the insured, policyholder or applicant for insurance, do any of the fol- lowing:

1. Deny or limit benefits under such a policy or certificate to a beneficiary who is the perpetrator of abuse or domestic abuse that results in the death of the insured.

2. Refuse to issue such a policy or certificate that names as a beneficiary a person who is or was, or who the insurer has reason to believe is or was, a perpetrator of abuse or domestic abuse against the person who is to be the insured under the policy.

3. Refuse to name as a beneficiary under such a policy or cer- tificate a person who is or was, or who the insurer has reason to believe is or was, a perpetrator of abuse or domestic abuse against the insured under the policy.

4. Refuse to issue such a policy or certificate to a person who is or was, or who the insurer has reason to believe is or was, a per- petrator of abuse or domestic abuse against the person who is to be the insured under the policy.

5. Refuse to issue such a policy or certificate to a person who lacks an insurable interest in the person who is to be the insured under the policy.

6. For purposes of underwriting; administering a claim under; or determining a person’s eligibility for coverage, a benefit or pay- ment under; such a policy or certificate; or for purposes of servic- ing such a policy or certificate or an application for such a policy or certificate; inquire about and use information related to a per- son’s medical history or existing medical condition, regardless of whether that condition is or may have been caused by abuse or domestic abuse. Any adverse underwriting decision based on a person’s medical history or medical condition must be made in conformity with sound actuarial principles or otherwise supported by actual or reasonably anticipated experience.

(c) Disability income or long−term care insurance. With respect to an individual or group disability income or long−term care insurance policy or a certificate of group disability income or long−term care insurance, an insurer may, on the basis of informa- tion in medical, law enforcement or court records, or on the basis of information provided by the insured, policyholder or applicant for insurance, do any of the following:

1. Refuse to name as a beneficiary under such a policy or cer- tificate a person who is or was, or who the insurer has reason to believe is or was, a perpetrator of abuse or domestic abuse against the insured under the policy.

(5) USE AND DISCLOSURE OF ABUSE INFORMATION. (a) Except as provided in pars. (c) and (d) and sub. (3), no person employed by or contracting with an insurer may use, disclose or transfer information related to any of the following:

1. Whether an insured or applicant for insurance or a member of the insured’s or applicant’s family, or whether an employee or other group member of an insured or applicant for insurance or a member of the employee’s or other group member’s family, is or has been, or is with reason believed by the person employed by or contracting with the insurer to be or to have been, a victim of abuse or domestic abuse.

2. Whether an insured or applicant for insurance, or whether an employee or other group member of an insured or applicant for insurance, is a family member or associate of, or in a relationship with, a person who is or has been, or who the person employed by or contracting with the insurer has reason to believe is or has been, a victim of abuse or domestic abuse.

3. Whether an insured or an applicant for insurance employs a person who is or has been, or who the person employed by or contracting with the insurer has reason to believe is or has been, a victim of abuse or domestic abuse.

(b) Except as provided in pars. (c) and (d), a person employed by or contracting with an insurer may not disclose or transfer information related to the telephone number or address or other location of any of the following individuals, if the person knows that the individual is or has been, or has reason to believe that the individual is or has been, a victim of abuse or domestic abuse:

  • 1.

    An insured.

  • 2.

    An applicant for insurance.

  • 3.

    An employee of an insured or of an applicant for insurance.

  • 4.

    A group member of an insured or of an applicant for insur-

ance.

5. subds

A member of the family of any of the individuals listed in . 1. to 4.

(c) Paragraphs (a) and (b) do not apply if the use, disclosure or transfer of the information is made with the consent of the indi- vidual to whom the information relates or if the use, disclosure or transfer satisfies any of the following:

1. Is for a purpose related to the direct provision of health care services.

2. Is for a valid business purpose, including the disclosure or transfer of the information to any of the following:

a. A reinsurer.

b. A party to a proposed or consummated sale, transfer, merger or consolidation of all or part of the business of the insurer.

2013−14 Wisconsin Statutes updated through 2013 Wis. Act 380 and all Supreme Court Orders entered before Jan. 1, 2015. Pub- lished and certified under s. 35.18. Changes effective after Jan. 1, 2015 are designated by NOTES. (Published 1−1−15)

Document info
Document views42
Page views42
Page last viewedFri Dec 09 04:08:00 UTC 2016
Pages12
Paragraphs826
Words16334

Comments