# COMAR Title 31 — Maryland Insurance Administration

## Subtitle 11 — Health Insurance — Group

### Chapter 10 — Required Standard Provisions

#### Regulation .03 Required Standard Provisions.

*COMAR 31.11.10.03*

A. A group health insurance contract may not be delivered in Maryland unless it contains in substance the provisions:

  (1) Listed in Regulation .04 of this chapter; or

  (2) Which in the opinion of the Commissioner, as compared to the provisions in Regulation .04 of this chapter, are:

    (a) More favorable to the individuals insured, or

    (b) At least as favorable to the individuals insured and more favorable to the policyholder.

B. A blanket health insurance contract may not be delivered in Maryland unless it contains in substance the provisions:

  (1) Listed in Regulation .05 of this chapter; or

  (2) Which in the opinion of the Commissioner, as compared to the provisions in Regulation .05 of this chapter, are:

    (a) More favorable to the individuals insured, or

    (b) At least as favorable to the individuals insured and more favorable to the policyholder.

C. Inapplicable and Inconsistent Provisions. If a provision required by Regulation .04 or .05 of this chapter is wholly or partly inapplicable to or inconsistent with the coverage provided by a particular contract, the carrier shall:

  (1) Omit from the contract the inapplicable provision or part of the provision; or

  (2) Modify the inconsistent provision or part of the provision to make it consistent with the coverage provided by the contract.