The Florida Senate

627.642  Outline of coverage.--

(1)  No individual or family accident and health insurance policy shall be delivered, or issued for delivery, in this state unless:

(a)  It is accompanied by an appropriate outline of coverage; or

(b)  An appropriate outline of coverage is completed and delivered to the applicant at the time application is made, and an acknowledgment of receipt or certificate of delivery of such outline is provided to the insurer with the application.

In the case of a direct response, such as a written application to the insurance company from an applicant, the outline of coverage shall accompany the policy when issued.

(2)  The outline of coverage shall contain:

(a)  A statement identifying the applicable category of coverage afforded by the policy, based on the minimum basic standards set forth in the rules issued to effect compliance with s. 627.643

(b)  A brief description of the principal benefits and coverage provided in the policy.

(c)  A summary statement of the principal exclusions and limitations or reductions contained in the policy, including, but not limited to, preexisting conditions, probationary periods, elimination periods, deductibles, coinsurance, and any age limitations or reductions.

(d)  A summary statement of the renewal and cancellation provisions, including any reservation of the insurer of a right to change premiums.

(e)  A statement that the outline contains a summary only of the details of the policy as issued or of the policy as applied for and that the issued policy should be referred to for the actual contractual governing provisions.

(f)  When home health care coverage is provided, a statement that such benefits are provided in the policy.

History.--s. 1, ch. 74-69; s. 1, ch. 74-281; s. 3, ch. 76-168; s. 1, ch. 77-457; ss. 2, 3, ch. 81-318; ss. 491, 497, 809(2nd), ch. 82-243; s. 79, ch. 82-386; s. 114, ch. 92-318.