# COMAR Title 31 — Maryland Insurance Administration

## Subtitle 04 — Insurers

### Chapter 17 — Filing of Forms for Approval

#### Regulation .12 Military Service Exclusion.

*COMAR 31.04.17.12*

A. Except as provided in §B of this regulation, a contract shall provide for a refund of premium upon request of the policyholder of pro rata unearned premium for any period during which the insured is not covered if:

  (1) Coverage terminates for an individual when the individual enters military service; or

  (2) The contract excludes any coverage while the individual is in military service.

B. The refund of premium requirement described in §A of this regulation does not apply to:

  (1) A group contract;

  (2) An individual contract that contains a military exclusion that applies only to loss resulting from military service while in the military service;

  (3) An individual life insurance contract that provides for automatic reinstatement:

    (a) Upon discharge from military service; or

    (b) Within a stated period not exceeding 6 months after discharge; or

  (4) An individual health insurance or nonprofit health service plan contract, if:

    (a) The contract is a noncancellable contract or a guaranteed renewable contract; and

    (b) The contract provides for automatic reinstatement:

      (i) Upon discharge from military service; or

      (ii) Within a stated period not exceeding 6 months after discharge.