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: Long-term care coverage; Accidental death and dismemberment coverage; Waiver of premium for permanent disability coverage; Acceleration of death benefit for terminal illness or chronic condition; Benefits for a second opinion for health conditions specified in the policy; or Benefits that: Provide a lump-sum benefit for a disease specified in the policy; and Meet the requirements established by the Commissioner under Insurance Article, §15-109, Annotated Code of Maryland. Natural Death Benefit Prohibited in Individual Health Insurance Policies. 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. 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.