Blanket health insurance is hereby declared to be that form of health insurance covering groups of persons as enumerated in
1 of the following subdivisions:
(1) Under a policy or contract issued to any common carrier or to any operator, owner or lessee of a means of transportation,
who or which shall be deemed the policyholder, covering a group of persons who may become passengers defined by reference
to their travel status on such common carrier or such means of transportation;
(2) Under a policy or contract issued to an employer, who shall be deemed the policyholder, covering any group of employees,
dependents or guests, defined by reference to specified hazards incident to an activity or activities or operations of the
policyholder;
(3) Under a policy or contract issued to a college, school or other institution of learning, a school district or districts
or school jurisdictional unit, or to the head, principal or governing board of any such educational unit, who or which shall
be deemed the policyholder, covering students, teachers or employees;
(4) Under a policy or contract issued to any religious, charitable, recreational, educational or civic organization, or branch
thereof, which shall be deemed the policyholder, covering any group of members or participants defined by reference to specified
hazards incident to any activity or activities or operations sponsored or supervised by such policyholder;
(5) Under a policy or contract issued to a sports team, camp or sponsor thereof, which shall be deemed the policyholder, covering
members, campers, employees, officials or supervisors;
(6) Under a policy or contract issued to any volunteer fire department, first aid, civil defense or other such volunteer organization,
which shall be deemed the policyholder, covering any group of members or participants defined by reference to specified hazards
incident to an activity or activities or operations sponsored or supervised by such policyholder;
(7) Under a policy or contract issued to a newspaper or other publisher, which shall be deemed the policyholder, covering
its carriers;
(8) Under a policy or contract issued to an association, including a labor union, which has a constitution and bylaws, statement
of organization or substantially similar document and which has been organized and is maintained in good faith for purposes
other than that of obtaining insurance, which shall be deemed the policyholder, covering any group of members or participants
defined by reference to specified hazards incident to an activity or activities or operations sponsored or supervised by such
policyholder;
(9) Under a policy or contract issued to cover any other risk or class of risks which, in the discretion of the Commissioner,
may be properly eligible for blanket health insurance. The discretion of the Commissioner may be exercised on an individual
risk basis or class of risks, or both.
18 Del. C. 1953, § 3506; 56 Del. Laws, c. 380; 66 Del. Laws, c. 175, § 1.;
§ 3541. Filing and required provisions in blanket policies.
Any insurer authorized to write health insurance in this State shall have the power to issue blanket health insurance. No
such blanket policy, except as provided in § 2712 of this title, may be issued or delivered in this State unless a copy of
the form thereof shall have been filed in accordance with such § 2712 of this title. Every such blanket policy shall contain
provisions which in the opinion of the Commissioner are not less favorable to the policyholder and the individual insured
than the following:
(1) A provision that the policy, including endorsements, copies of the applications, if any, of the policyholder and the persons
insured shall constitute the entire contract between the parties, and that any statement made by the policyholder or by a
person insured shall, in absence of fraud, be deemed a representation and not a warranty and that no such statements shall
be used in defense to a claim under the policy, unless contained in a written application. Such person, his/her beneficiary,
or assignee, shall have the right to make written request to the insurer for a copy of such application and the insurer shall,
within 15 days after the receipt of such request at its home office or any branch office of the insurer, deliver or mail to
the person making such request a copy of such application. Such written request shall provide the insurer with the full name
and address of the insured, the policyowner and the policy number if known, or the written request shall contain such information
that the insurer can reasonably be expected to locate the application. If such copy shall not be so delivered or mailed,
the insurer shall be precluded from introducing such application as evidence in any action based upon or involving any statements
contained therein.
(2) A provision that written notice of sickness or of injury must be given to the insurer within 20 days after the date when
such sickness or injury occurred. Failure to give notice within such time shall not invalidate nor reduce any claim if it
shall be shown not to have been reasonably possible to give such notice and that notice was given as soon as was reasonably
possible.
(3) A provision that the insurer will furnish either to the claimant or to the policyholder for delivery to the claimant such
forms as are usually furnished by it for filing proof of loss. If such forms are not furnished before the expiration of 15
days after giving of such notice, the claimant shall be deemed to have complied with the requirements of the policy as to
proof of loss upon submitting, within the time fixed in the policy for filing proof of loss, written proof covering the occurrence,
the character and the extent of the loss for which claim is made.
(4) A provision that in the case of claim for loss of time for disability, written proof of such loss must be furnished to
the insurer within 90 days after the commencement of the period for which the insurer is liable, and that subsequent written
proofs of the continuance of such disability must be furnished to the insurer at such intervals as the insurer may reasonably
require and that in the case of claim for any other loss, written proof of such loss must be furnished to the insurer within
90 days after the date of such loss. Failure to furnish such proof within such time shall not invalidate or reduce any claim
if it shall be shown not to have been reasonably possible to furnish such proof and that such proof was furnished as soon
as was reasonably possible.
(5) A provision that all benefits payable under the policy other than benefits for loss of time will be payable immediately
upon receipt of due written proof of such loss, and that, subject to due proof of loss, all accrued benefits payable under
the policy for loss of time will be paid not less frequently than monthly during the continuance of the period for which the
insurer is liable and that any balance remaining unpaid at the termination of such period will be paid immediately upon receipt
of such proof.
(6) A provision that the insurer at its own expense shall have the right and opportunity to examine the person of the insured
when and so often as it may reasonably require during the pendency of claim under the policy and also the right and opportunity
to make an autopsy where it is not prohibited by law.
(7) A provision that no action at law or in equity shall be brought to recover under the policy prior to the expiration of
60 days after written proof of loss has been furnished in accordance with the requirements of the policy and that no such
action shall be brought after the expiration of 3 years after the time written proof of loss is required to be furnished.
18 Del. C. 1953, § 3507; 56 Del. Laws, c. 380, § 1; 66 Del. Laws, c. 175, § 1; 70 Del. Laws, c. 186, § 1.;
§ 3542. Application and certificates not required.
An individual application need not be required from a person covered under a blanket health policy or contract nor shall it
be necessary for the insurer to furnish each person a certificate.
18 Del. C. 1953, § 3508; 56 Del. Laws, c. 380, § 1; 66 Del. Laws, c. 175, § 1.;
§ 3543. Payment of benefits under blanket policy.
All benefits under any blanket health policy or contract shall be payable to the person insured, or to his/her designated
beneficiary or beneficiaries, or to his/her estate, except that if the person insured be a minor or otherwise not competent
to give a valid release, such benefits may be made payable to his/her parent, guardian or other person actually supporting
him/her. Except, however, that the policy may provide that all or a portion of any indemnities provided by any such policy
on account of hospital, nursing, medical or surgical services may, at the option of the insurer, and unless the insured requests
otherwise in writing not later than the time of filing proofs of such loss, be paid directly to the hospital or person rendering
such services, but the policy may not require that the service be rendered by a particular hospital or person. Payment so
made shall discharge the obligation of the insurer with respect to the amount of insurance so paid.
18 Del. C. 1953, § 3509; 56 Del. Laws, c. 380, § 1; 66 Del. Laws, c. 175, § 1; 70 Del. Laws, c. 186, § 1.;
Blanket health insurance is hereby declared to be that form of health insurance covering groups of persons as enumerated in
1 of the following subdivisions:
(1) Under a policy or contract issued to any common carrier or to any operator, owner or lessee of a means of transportation,
who or which shall be deemed the policyholder, covering a group of persons who may become passengers defined by reference
to their travel status on such common carrier or such means of transportation;
(2) Under a policy or contract issued to an employer, who shall be deemed the policyholder, covering any group of employees,
dependents or guests, defined by reference to specified hazards incident to an activity or activities or operations of the
policyholder;
(3) Under a policy or contract issued to a college, school or other institution of learning, a school district or districts
or school jurisdictional unit, or to the head, principal or governing board of any such educational unit, who or which shall
be deemed the policyholder, covering students, teachers or employees;
(4) Under a policy or contract issued to any religious, charitable, recreational, educational or civic organization, or branch
thereof, which shall be deemed the policyholder, covering any group of members or participants defined by reference to specified
hazards incident to any activity or activities or operations sponsored or supervised by such policyholder;
(5) Under a policy or contract issued to a sports team, camp or sponsor thereof, which shall be deemed the policyholder, covering
members, campers, employees, officials or supervisors;
(6) Under a policy or contract issued to any volunteer fire department, first aid, civil defense or other such volunteer organization,
which shall be deemed the policyholder, covering any group of members or participants defined by reference to specified hazards
incident to an activity or activities or operations sponsored or supervised by such policyholder;
(7) Under a policy or contract issued to a newspaper or other publisher, which shall be deemed the policyholder, covering
its carriers;
(8) Under a policy or contract issued to an association, including a labor union, which has a constitution and bylaws, statement
of organization or substantially similar document and which has been organized and is maintained in good faith for purposes
other than that of obtaining insurance, which shall be deemed the policyholder, covering any group of members or participants
defined by reference to specified hazards incident to an activity or activities or operations sponsored or supervised by such
policyholder;
(9) Under a policy or contract issued to cover any other risk or class of risks which, in the discretion of the Commissioner,
may be properly eligible for blanket health insurance. The discretion of the Commissioner may be exercised on an individual
risk basis or class of risks, or both.
18 Del. C. 1953, § 3506; 56 Del. Laws, c. 380; 66 Del. Laws, c. 175, § 1.;
§ 3541. Filing and required provisions in blanket policies.
Any insurer authorized to write health insurance in this State shall have the power to issue blanket health insurance. No
such blanket policy, except as provided in § 2712 of this title, may be issued or delivered in this State unless a copy of
the form thereof shall have been filed in accordance with such § 2712 of this title. Every such blanket policy shall contain
provisions which in the opinion of the Commissioner are not less favorable to the policyholder and the individual insured
than the following:
(1) A provision that the policy, including endorsements, copies of the applications, if any, of the policyholder and the persons
insured shall constitute the entire contract between the parties, and that any statement made by the policyholder or by a
person insured shall, in absence of fraud, be deemed a representation and not a warranty and that no such statements shall
be used in defense to a claim under the policy, unless contained in a written application. Such person, his/her beneficiary,
or assignee, shall have the right to make written request to the insurer for a copy of such application and the insurer shall,
within 15 days after the receipt of such request at its home office or any branch office of the insurer, deliver or mail to
the person making such request a copy of such application. Such written request shall provide the insurer with the full name
and address of the insured, the policyowner and the policy number if known, or the written request shall contain such information
that the insurer can reasonably be expected to locate the application. If such copy shall not be so delivered or mailed,
the insurer shall be precluded from introducing such application as evidence in any action based upon or involving any statements
contained therein.
(2) A provision that written notice of sickness or of injury must be given to the insurer within 20 days after the date when
such sickness or injury occurred. Failure to give notice within such time shall not invalidate nor reduce any claim if it
shall be shown not to have been reasonably possible to give such notice and that notice was given as soon as was reasonably
possible.
(3) A provision that the insurer will furnish either to the claimant or to the policyholder for delivery to the claimant such
forms as are usually furnished by it for filing proof of loss. If such forms are not furnished before the expiration of 15
days after giving of such notice, the claimant shall be deemed to have complied with the requirements of the policy as to
proof of loss upon submitting, within the time fixed in the policy for filing proof of loss, written proof covering the occurrence,
the character and the extent of the loss for which claim is made.
(4) A provision that in the case of claim for loss of time for disability, written proof of such loss must be furnished to
the insurer within 90 days after the commencement of the period for which the insurer is liable, and that subsequent written
proofs of the continuance of such disability must be furnished to the insurer at such intervals as the insurer may reasonably
require and that in the case of claim for any other loss, written proof of such loss must be furnished to the insurer within
90 days after the date of such loss. Failure to furnish such proof within such time shall not invalidate or reduce any claim
if it shall be shown not to have been reasonably possible to furnish such proof and that such proof was furnished as soon
as was reasonably possible.
(5) A provision that all benefits payable under the policy other than benefits for loss of time will be payable immediately
upon receipt of due written proof of such loss, and that, subject to due proof of loss, all accrued benefits payable under
the policy for loss of time will be paid not less frequently than monthly during the continuance of the period for which the
insurer is liable and that any balance remaining unpaid at the termination of such period will be paid immediately upon receipt
of such proof.
(6) A provision that the insurer at its own expense shall have the right and opportunity to examine the person of the insured
when and so often as it may reasonably require during the pendency of claim under the policy and also the right and opportunity
to make an autopsy where it is not prohibited by law.
(7) A provision that no action at law or in equity shall be brought to recover under the policy prior to the expiration of
60 days after written proof of loss has been furnished in accordance with the requirements of the policy and that no such
action shall be brought after the expiration of 3 years after the time written proof of loss is required to be furnished.
18 Del. C. 1953, § 3507; 56 Del. Laws, c. 380, § 1; 66 Del. Laws, c. 175, § 1; 70 Del. Laws, c. 186, § 1.;
§ 3542. Application and certificates not required.
An individual application need not be required from a person covered under a blanket health policy or contract nor shall it
be necessary for the insurer to furnish each person a certificate.
18 Del. C. 1953, § 3508; 56 Del. Laws, c. 380, § 1; 66 Del. Laws, c. 175, § 1.;
§ 3543. Payment of benefits under blanket policy.
All benefits under any blanket health policy or contract shall be payable to the person insured, or to his/her designated
beneficiary or beneficiaries, or to his/her estate, except that if the person insured be a minor or otherwise not competent
to give a valid release, such benefits may be made payable to his/her parent, guardian or other person actually supporting
him/her. Except, however, that the policy may provide that all or a portion of any indemnities provided by any such policy
on account of hospital, nursing, medical or surgical services may, at the option of the insurer, and unless the insured requests
otherwise in writing not later than the time of filing proofs of such loss, be paid directly to the hospital or person rendering
such services, but the policy may not require that the service be rendered by a particular hospital or person. Payment so
made shall discharge the obligation of the insurer with respect to the amount of insurance so paid.
18 Del. C. 1953, § 3509; 56 Del. Laws, c. 380, § 1; 66 Del. Laws, c. 175, § 1; 70 Del. Laws, c. 186, § 1.;
Blanket health insurance is hereby declared to be that form of health insurance covering groups of persons as enumerated in
1 of the following subdivisions:
(1) Under a policy or contract issued to any common carrier or to any operator, owner or lessee of a means of transportation,
who or which shall be deemed the policyholder, covering a group of persons who may become passengers defined by reference
to their travel status on such common carrier or such means of transportation;
(2) Under a policy or contract issued to an employer, who shall be deemed the policyholder, covering any group of employees,
dependents or guests, defined by reference to specified hazards incident to an activity or activities or operations of the
policyholder;
(3) Under a policy or contract issued to a college, school or other institution of learning, a school district or districts
or school jurisdictional unit, or to the head, principal or governing board of any such educational unit, who or which shall
be deemed the policyholder, covering students, teachers or employees;
(4) Under a policy or contract issued to any religious, charitable, recreational, educational or civic organization, or branch
thereof, which shall be deemed the policyholder, covering any group of members or participants defined by reference to specified
hazards incident to any activity or activities or operations sponsored or supervised by such policyholder;
(5) Under a policy or contract issued to a sports team, camp or sponsor thereof, which shall be deemed the policyholder, covering
members, campers, employees, officials or supervisors;
(6) Under a policy or contract issued to any volunteer fire department, first aid, civil defense or other such volunteer organization,
which shall be deemed the policyholder, covering any group of members or participants defined by reference to specified hazards
incident to an activity or activities or operations sponsored or supervised by such policyholder;
(7) Under a policy or contract issued to a newspaper or other publisher, which shall be deemed the policyholder, covering
its carriers;
(8) Under a policy or contract issued to an association, including a labor union, which has a constitution and bylaws, statement
of organization or substantially similar document and which has been organized and is maintained in good faith for purposes
other than that of obtaining insurance, which shall be deemed the policyholder, covering any group of members or participants
defined by reference to specified hazards incident to an activity or activities or operations sponsored or supervised by such
policyholder;
(9) Under a policy or contract issued to cover any other risk or class of risks which, in the discretion of the Commissioner,
may be properly eligible for blanket health insurance. The discretion of the Commissioner may be exercised on an individual
risk basis or class of risks, or both.
18 Del. C. 1953, § 3506; 56 Del. Laws, c. 380; 66 Del. Laws, c. 175, § 1.;
§ 3541. Filing and required provisions in blanket policies.
Any insurer authorized to write health insurance in this State shall have the power to issue blanket health insurance. No
such blanket policy, except as provided in § 2712 of this title, may be issued or delivered in this State unless a copy of
the form thereof shall have been filed in accordance with such § 2712 of this title. Every such blanket policy shall contain
provisions which in the opinion of the Commissioner are not less favorable to the policyholder and the individual insured
than the following:
(1) A provision that the policy, including endorsements, copies of the applications, if any, of the policyholder and the persons
insured shall constitute the entire contract between the parties, and that any statement made by the policyholder or by a
person insured shall, in absence of fraud, be deemed a representation and not a warranty and that no such statements shall
be used in defense to a claim under the policy, unless contained in a written application. Such person, his/her beneficiary,
or assignee, shall have the right to make written request to the insurer for a copy of such application and the insurer shall,
within 15 days after the receipt of such request at its home office or any branch office of the insurer, deliver or mail to
the person making such request a copy of such application. Such written request shall provide the insurer with the full name
and address of the insured, the policyowner and the policy number if known, or the written request shall contain such information
that the insurer can reasonably be expected to locate the application. If such copy shall not be so delivered or mailed,
the insurer shall be precluded from introducing such application as evidence in any action based upon or involving any statements
contained therein.
(2) A provision that written notice of sickness or of injury must be given to the insurer within 20 days after the date when
such sickness or injury occurred. Failure to give notice within such time shall not invalidate nor reduce any claim if it
shall be shown not to have been reasonably possible to give such notice and that notice was given as soon as was reasonably
possible.
(3) A provision that the insurer will furnish either to the claimant or to the policyholder for delivery to the claimant such
forms as are usually furnished by it for filing proof of loss. If such forms are not furnished before the expiration of 15
days after giving of such notice, the claimant shall be deemed to have complied with the requirements of the policy as to
proof of loss upon submitting, within the time fixed in the policy for filing proof of loss, written proof covering the occurrence,
the character and the extent of the loss for which claim is made.
(4) A provision that in the case of claim for loss of time for disability, written proof of such loss must be furnished to
the insurer within 90 days after the commencement of the period for which the insurer is liable, and that subsequent written
proofs of the continuance of such disability must be furnished to the insurer at such intervals as the insurer may reasonably
require and that in the case of claim for any other loss, written proof of such loss must be furnished to the insurer within
90 days after the date of such loss. Failure to furnish such proof within such time shall not invalidate or reduce any claim
if it shall be shown not to have been reasonably possible to furnish such proof and that such proof was furnished as soon
as was reasonably possible.
(5) A provision that all benefits payable under the policy other than benefits for loss of time will be payable immediately
upon receipt of due written proof of such loss, and that, subject to due proof of loss, all accrued benefits payable under
the policy for loss of time will be paid not less frequently than monthly during the continuance of the period for which the
insurer is liable and that any balance remaining unpaid at the termination of such period will be paid immediately upon receipt
of such proof.
(6) A provision that the insurer at its own expense shall have the right and opportunity to examine the person of the insured
when and so often as it may reasonably require during the pendency of claim under the policy and also the right and opportunity
to make an autopsy where it is not prohibited by law.
(7) A provision that no action at law or in equity shall be brought to recover under the policy prior to the expiration of
60 days after written proof of loss has been furnished in accordance with the requirements of the policy and that no such
action shall be brought after the expiration of 3 years after the time written proof of loss is required to be furnished.
18 Del. C. 1953, § 3507; 56 Del. Laws, c. 380, § 1; 66 Del. Laws, c. 175, § 1; 70 Del. Laws, c. 186, § 1.;
§ 3542. Application and certificates not required.
An individual application need not be required from a person covered under a blanket health policy or contract nor shall it
be necessary for the insurer to furnish each person a certificate.
18 Del. C. 1953, § 3508; 56 Del. Laws, c. 380, § 1; 66 Del. Laws, c. 175, § 1.;
§ 3543. Payment of benefits under blanket policy.
All benefits under any blanket health policy or contract shall be payable to the person insured, or to his/her designated
beneficiary or beneficiaries, or to his/her estate, except that if the person insured be a minor or otherwise not competent
to give a valid release, such benefits may be made payable to his/her parent, guardian or other person actually supporting
him/her. Except, however, that the policy may provide that all or a portion of any indemnities provided by any such policy
on account of hospital, nursing, medical or surgical services may, at the option of the insurer, and unless the insured requests
otherwise in writing not later than the time of filing proofs of such loss, be paid directly to the hospital or person rendering
such services, but the policy may not require that the service be rendered by a particular hospital or person. Payment so
made shall discharge the obligation of the insurer with respect to the amount of insurance so paid.
18 Del. C. 1953, § 3509; 56 Del. Laws, c. 380, § 1; 66 Del. Laws, c. 175, § 1; 70 Del. Laws, c. 186, § 1.;
