# COMAR Title 31 — Maryland Insurance Administration

## Subtitle 04 — Insurers

### Chapter 17 — Filing of Forms for Approval

#### Regulation .13 Prohibited Coverage.

*COMAR 31.04.17.13*

A. Health Insurance Coverage Prohibited in Individual Life Insurance Policies. An ordinary or industrial life insurance policy may not include a health insurance benefit, except for the following types of benefits:

  (1) Long-term care coverage;

  (2) Accidental death and dismemberment coverage;

  (3) Waiver of premium for permanent disability coverage;

  (4) Acceleration of death benefit for terminal illness or chronic condition;

  (5) Benefits for a second opinion for health conditions specified in the policy; or

  (6) Benefits that:

    (a) Provide a lump-sum benefit for a disease specified in the policy; and

    (b) Meet the requirements established by the Commissioner under Insurance Article, §15-109, Annotated Code of Maryland.

B. Natural Death Benefit Prohibited in Individual Health Insurance Policies.

  (1) Except as provided in §B(2) of this regulation, a health insurance policy subject to Insurance Article, Title 15, Subtitle 2, Annotated Code of Maryland, or any supplementary benefit under such a policy, may not provide a natural death benefit.

  (2) A disability income policy may provide a survivor benefit, provided the survivor benefit does not exceed 3 times the last full monthly disability income benefit.