Illinois Code § 215 ILCS 5/357.1

Accident and health policy provisions required.
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Except as provided in section 357.26 of this article each accident
and health policy delivered or issued for delivery to any person in this
State shall contain the provisions set forth in sections 357.2 through
357.13 in the words in which the same appear in the specified sections;
provided, however, that the company may, at its option, substitute for
one or more of such provisions corresponding provisions of different
wording approved by the Director which are in each instance not less
favorable in any respect to the insured or the beneficiary. Such
provisions shall be preceded individually by the caption appearing at
the beginning of each such section or, at the option of the company, by
such appropriate individual or group captions or subcaptions as the
Director may approve.

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