§ 4224. Life, accident and health insurance; discrimination and\nrebating; prohibited inducements and interdependent sales. (a) No life\ninsurance company doing business in this state and no savings and\ninsurance bank shall:\n (1) make or permit any unfair discrimination between individuals of\nthe same class and of equal expectation of life, in the amount or\npayment or return of premiums, or rates charged for policies of life\ninsurance or annuity contracts, or in the dividends or other benefits\npayable thereon, or in any of the terms and conditions thereof;\n (2) refuse to insure, refuse to continue to insure or limit the\namount, extent or kind of coverage available to an individual, or charge\na different rate for the same coverage solely because of the physical or\nmental disability, impairment or disease, or prior history thereof, of\nthe insured or potential insured, except where the refusal, limitation\nor rate differential is permitted by law or regulation and is based on\nsound actuarial principles or is related to actual or reasonably\nanticipated experience, in which case the insurer, subject to the\nlimitations contained in section twenty-six hundred eleven of this\nchapter, shall notify the insured or potential insured of the right to\nreceive, or to designate a medical professional to receive, the specific\nreason or reasons for such refusal, limitation or rate differential;\n (3) refuse to insure, refuse to continue to insure or limit the\namount, extent or kind of coverage available to an individual, or charge\na different rate for the same coverage solely because the insured or\npotential insured was prescribed pre-exposure prophylaxis (PrEP)\nmedication for the prevention of HIV infection;\n (4) knowingly permit, and no agent thereof and no licensed insurance\nbroker shall offer to make or make, any policy of life insurance or\nannuity contract or agreement as to such policy or contract other than\nas plainly expressed in the policy or contract.\n (b) No insurer doing in this state the business of accident and health\ninsurance, as specified in paragraph three of subsection (a) of section\none thousand one hundred thirteen of this chapter, and no officer or\nagent of such insurer and no licensed insurance broker, and no employee\nor other representative of such insurer, agent or broker shall:\n (1) make or permit any unfair discrimination between individuals of\nthe same class in the amount of premiums, policy fees, or rates charged\nfor any policy of accident and health insurance, or in the benefits\npayable thereon, or in any of the terms or conditions of such policies,\nor in any other manner whatsoever;\n (2) refuse to insure, refuse to continue to insure or limit the\namount, extent or kind of coverage available to an individual, or charge\na different rate for the same coverage solely because of the physical or\nmental disability, impairment or disease, or prior history thereof, of\nthe insured or potential insured, except where the refusal, limitation\nor rate differential is permitted by law or regulation and is based on\nsound actuarial principles or is related to actual or reasonably\nanticipated experience, in which case the insurer, subject to the\nlimitations contained in section twenty-six hundred eleven of this\nchapter shall notify the insured or potential insured of the right to\nreceive, or to designate a medical professional to receive, the specific\nreason or reasons for such refusal, limitation or rate differential;\n (3) refuse to insure, refuse to continue to insure or limit the\namount, extent or kind of coverage available to an individual, or charge\na different rate for the same coverage solely because the insured or\npotential insured was prescribed pre-exposure prophylaxis (PrEP)\nmedication for the prevention of HIV infection;\n (4) knowingly permit or offer to make or make, any policy of accident\nand health insurance, other than as plainly expressed in the policy.\n
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