§ 3221. Group or blanket accident and health insurance policies;\nstandard provisions. (a) No policy of group or blanket accident and\nhealth insurance shall, except as provided in subsection (d) hereof, be\ndelivered or issued for delivery in this state unless it contains in\nsubstance the following provisions or provisions which in the opinion of\nthe superintendent are more favorable to the holders of such\ncertificates or not less favorable to the holders of such certificates\nand more favorable to policyholders, provided however, that the\nprovisions set forth in paragraphs six and thirteen of this subsection\nshall not be applicable to any such policy which is issued to a\npolicyholder in accordance with subparagraph (E) of paragraph one of\nsubsection (c) of section four thousand two hundred thirty-five of this\nchapter:\n (1) (A) No statement made by the person insured shall avoid the\ninsurance or reduce benefits thereunder unless contained in a written\ninstrument signed by the person insured.\n (B) All statements contained in any such written instrument shall be\ndeemed representations and not warranties.\n (2) That no agent has authority to change the policy or waive any of\nits provisions and that no change in the policy shall be valid unless\napproved by an officer of the insurer and evidenced by endorsement on\nthe policy, or by amendment to the policy signed by the policyholder and\nthe insurer.\n (3) That all new employees or new members in the classes eligible for\ninsurance must be added to such class for which they are eligible.\n (4) That all premiums due under the policy shall be remitted by the\nemployer or employers of the persons insured or by some other designated\nperson acting on behalf of the association or group insured, to the\ninsurer on or before the due date thereof, with such period of grace as\nmay be specified therein.\n (5) The conditions under which the insurer may decline to renew the\npolicy.\n (6) That the insurer shall issue either to the employer or person in\nwhose name such policy is issued, for delivery to each member of the\ninsured group, a certificate setting forth in summary form a statement\nof the essential features of the insurance coverage and in substance the\nfollowing provisions of this subsection.\n (7) The ages, to which the insurance provided therein shall be\nlimited; and the ages, for which additional restrictions are placed on\nbenefits, and the additional restrictions placed on the benefits at such\nages.\n (8) That written notice of claim must be given to the insurer within\ntwenty days after the occurrence or commencement of any loss covered by\nthe policy. Failure to give notice within such time shall not invalidate\nor reduce any claim if it shall be shown not to have been reasonably\npossible to give such notice and that notice was given as soon as was\nreasonably possible.\n (9) That in the case of claim for loss of time for disability, written\nproof of such loss must be furnished to the insurer within thirty days\nafter the commencement of the period for which the insurer is liable,\nand that subsequent written proofs of the continuance of such disability\nmust be furnished to the insurer at such intervals as the insurer may\nreasonably require, and that in the case of claim for any other loss,\nwritten proof of such loss must be furnished to the insurer within one\nhundred twenty days after the date of such loss. Failure to furnish such\nproof within such time shall not invalidate or reduce any claim if it\nshall be shown not to have been reasonably possible to furnish such\nproof within such time, provided such proof was furnished as soon as\nreasonably possible.\n (10) That the insurer will furnish to the person making claim or to\nthe policyholder for delivery to such person such forms as are usually\nfurnished by it for filing proof of loss. If such forms are not\nfurnished before the expiration of fifteen days after the insurer\nreceives
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