§ 153.2. Permission to file accident and health, life and annuity insert pages—statement of policy.

 (a)  The Insurance Department (Department) notifies the insurance industry that they may continue to file insert pages to modify or revise previously approved group policies and certificates. Additionally, they may immediately begin to file insert pages to modify or revise previously approved individual policies.

 (b)  The inclusion of an insert page in a previously approved group policy, certificate or individual policy may not result in a change in the form number appearing in the lower left corner of the first page of the policy or certificate.

 (c)  An insert page filing shall include the following:

   (1)  Two copies of the insert pages.

   (2)  A letter of submission including the following:

     (i)   A statement identifying by form number and approval date the policy or certificate being modified or revised by the insert pages.

     (ii)   An explanation of the modifications or revisions being made by the insert pages in the previously approved policy or certificate. In lieu of providing an explanation the insurer may submit a third copy of the insert pages with the modifications or revisions highlighted.

   (3)  A duplicate copy of the letter of submission.

   (4)  One of the following:

     (i)   A certification signed by a company officer that after approval of the insert pages, the policy or certificate in which the insert pages will be included will be issued only with the insert pages and that the replaced pages will no longer be issued with the policy or certificate.

     (ii)   An explanation providing justification as to why both the insert pages and the pages modified by the insert pages are necessary and under what conditions the pages would be issued.

   (5)  A revised actuarial memorandum if the insert pages affect the previously filed actuarial memorandum.

 (d)  The Department reserves the right at any time to require an insurer to file a complete revised policy or certificate. Reasons why the Department would require an insurer to file a complete revised policy or certificate include the following:

   (1)  Inclusion of the insert pages in the policy would render the policy brief description inaccurate or misleading.

   (2)  The policy or certificate in which the insert pages would be included no longer meets the Department’s approval standards.

 (e)  The Department reserves the right to terminate this filing procedure at any time.


   The provisions of this §  153.2 adopted October 19, 1990, effective October 20, 1990, 20 Pa.B. 5295.

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