(1) International health insurance policies and applications may be solicited and sold in this state at any international airport to a resident of a foreign country. Such international health insurance policies shall be solicited and sold only by a licensed health insurance agent and underwritten only by an admitted insurer. For purposes of this subsection:
(a) “International airport” means any airport in Florida with United States Bureau of Customs and Border Protection service, which enplanes more than 1 million passengers per year.
(b) “International health insurance policy” means health insurance, as provided in s. 627.6562(3)(a)2., which is offered to an individual, covering only a resident of a foreign country on an annual basis.
(c) “Resident of a foreign country” does not include any United States citizen, any natural person maintaining his or her residence in this country, or any natural person staying in this state continuously for more than 120 days.
(2) Any international health insurance policy sold, and any application provided, to residents of foreign countries pursuant to this subsection shall contain the following conspicuous, boldfaced disclaimer in at least 12-point type: “This individual health insurance policy may be sold only to a person not a resident of the United States. This policy does not comply with coverage, underwriting, and other provisions of the Florida Insurance Code, and must comply with coverage, underwriting, and other insurance regulatory provisions of your country of residence.”
(3) Any insurer underwriting international health insurance policies pursuant to this subsection is subject to all applicable provisions of the insurance code, except as otherwise provided in this subsection. International health insurance policies are not subject to any form approval, rate approval, underwriting restrictions, guaranteed availability, or coverage mandates provided in the insurance code. Health insurance agents who are licensed and appointed pursuant to chapter 626 may solicit, sell, effect, collect premium on, and deliver international health insurance policies in accordance with this section. Solicitation or sale of an international health insurance policy to a United States citizen or to a natural person not a resident of a foreign country is a willful violation of the provisions of s. 626.611.
(4) Any international health insurance policy or application solicited, provided, entered into, issued, or delivered pursuant to this subsection is exempt from all provisions of the insurance code, except that such policy, contract, or agreement is subject to the provisions of ss. 624.155, 624.316, 624.3161, 626.951, 626.9511, 626.9521, 626.9541, 626.9551, 626.9561, 626.9571, 626.9581, 626.9591, 626.9601, 627.413, 627.4145, 627.428, and 627.6043.
History.—s. 82, ch. 98-199; s. 1, ch. 98-399; s. 11, ch. 99-3; s. 100, ch. 2004-5; s. 4, ch. 2016-194.
Structure Florida Statutes
Chapter 624 - Insurance Code: Administration and General Provisions
Part I - Scope of Code (Ss. 624.01-624.27)
624.031 - “Self-insurance” defined.
624.05 - “Department,” “commission,” and “office” defined.
624.06 - “Domestic,” “foreign,” “alien” insurer defined.
624.075 - “Commercially domiciled insurer” defined.
624.09 - “Authorized,” “unauthorized” insurer defined.
624.105 - Waiver of customer liability.
624.1055 - Right of contribution among liability insurers for defense costs.
624.12 - Application of code as to fraternal benefit societies.
624.123 - Certain international health insurance policies; exemption from code.
624.124 - Motor vehicle services; exemption from code.
624.125 - Certain motor vehicle service agreements; exemption from code.
624.126 - Certain mutual aid associations; exemption from code.
624.1265 - Nonprofit religious organization exemption; authority; notice.
624.1275 - Insurance agents; prohibited exclusion from public bidding and negotiations.
624.128 - Crime victims exemption.
624.129 - Certain location and recovery services; exemption from code.
624.13 - Particular provisions prevail.
624.1551 - Civil remedy actions against property insurers.
624.19 - Existing forms and filings.
624.21 - Prospective operation of amendments to code.
624.215 - Proposals for legislation which mandates health benefit coverage; review by Legislature.
624.23 - Public records exemption.
624.231 - Disclosure and fees for production of records.
624.24 - Prohibition against requiring the purchase of health insurance; exceptions.
624.25 - Patient Protection and Affordable Care Act.
624.26 - Collaborative arrangement with the Department of Health and Human Services.
624.27 - Direct health care agreements; exemption from code.