New York Laws
Article 32 - Insurance Contracts - Life, Accident and Health, Annuities
3240*2 - Student Accident and Health Insurance.

(1)(A) "Student accident and health insurance" means a policy or
contract of hospital, medical, or surgical expense insurance delivered
or issued for delivery in this state on or after January first, two
thousand fourteen, by an insurer or a corporation, to an institution of
higher education covering students enrolled in the institution and the
students' dependents.
(B) "Student accident and health insurance" shall not include:
(i) a policy or contract that provides limited scope dental or vision
benefits meeting the definition of "excepted benefits" set forth in
section 2791 of the public health service act, 42 U.S.C. § 300gg-91(c);
(ii) an accident policy or contract that provides benefits meeting the
definition of "excepted benefits" set forth in section 2791 of the
public health service act, 42 U.S.C. § 300gg-91(c), if the policy or
contract:
(I) is limited to coverage for intercollegiate sports injuries only;
(II) provides benefits to diagnose and treat any intercollegiate
sports injury and does not include a benefit dollar maximum amount per
injury that is less than the overall benefit dollar maximum amount per
student under the intercollegiate sports injury policy or contract;
(III) provides benefits on an expense incurred basis;
(IV) provides that premiums are paid in full by the institution of
higher education;
(V) includes prominent disclosure to the student that the accident
policy is not a substitute for comprehensive hospital and medical
coverage;
(VI) provides coverage for intercollegiate sports injuries primary to
any student accident and health insurance policy or contract or any
student health plan issued pursuant to section one thousand one hundred
twenty-four of this chapter; except that a policy or contract meeting
the requirements of this item may be excess or secondary to any other
policy or contract of accident and health insurance; and
(VII) includes a maximum benefit amount that is no less than the
deductible under the separate athletic association policy or contract if
designed to coordinate with a separate policy or contract issued to an
athletic association that extends coverage for intercollegiate sports
injuries;
(iii) an accident policy or contract that provides benefits meeting
the definition of "excepted benefits" set forth in section 2791 of the
public health service act, 42 U.S.C. § 300gg-91(c)(1)(A), if the policy
or contract:
(I) is limited to transportation expenses in the event an insured
student incurs a covered sickness or accident, including transportation
expenses for a medical escort to travel with the student and
transportation expenses for returning the student to the student's
domicile;
(II) provides that premiums are paid in full by the institution of
higher education;
(III) covers students enrolled in the institution of higher education;
(IV) includes prominent disclosure to the student that the accident
policy is not a substitute for comprehensive hospital and medical
coverage; and
(V) provides coverage for a period of twelve months; or
(iv) an insurance policy, contract, or certificate that provides
hospital, medical, or surgical expense coverage for a student while
studying outside the United States for a period of twelve months or less
that is issued to a student, provided that the student is also covered

by comprehensive hospital and medical coverage within the United States
and the insurance policy, contract, or certificate:
(I) is subject to the requirements of subsections (b), (c), (d), (e),
(h), and (i) of this section;
(II) meets the definition of "expatriate health plan" set forth in 42
U.S.C. § 18014(d)(2);
(III) excludes coverage within the United States;
(IV) may offer coverage for global evacuation and repatriation in the
event of the insured student's sickness or accident; and
(V) may offer coverage for trip cancellation, trip interruption,
baggage, personal effects, or global evacuation and repatriation,
including evacuation in the event of a natural or man-made disaster,
such as an epidemic, political event, war, terrorist act, riot, or civil
insurrection, pursuant to section three thousand four hundred fifty-two
of this chapter.
(2) "Institution of higher education" or "institution" shall have the
meaning set forth in the higher education act of 1965, 20 U.S.C. § 1001.
(3) "Insurer" means an insurer licensed to write accident and health
insurance pursuant to this chapter.
(4) "Corporation" means a corporation organized in accordance with
article forty-three of this chapter.
(5) "Intercollegiate sport" means a sport that has been designated as
an intercollegiate sport by the institution of higher education in which
a student is enrolled and that is organized or sponsored by an
institution of higher education.
(6) "Intercollegiate sports injury" means an injury sustained by a
student member of an athletics team during participation in an
intercollegiate sport.
(b) An insurer or corporation shall not impose any pre-existing
condition exclusion in a student accident and health insurance policy or
contract. An insurer or corporation shall not condition eligibility,
including continued eligibility, for a student accident and health
insurance policy or contract on health status, medical condition,
including both physical and mental illnesses, claims experience, receipt
of health care, medical history, genetic information, evidence of
insurability, including conditions arising out of acts of domestic
violence, or disability.
(c) An insurer or corporation shall condition eligibility including
continuing eligibility, on the covered individual being enrolled as a
student in an institution of higher education to which the student
accident and health insurance policy or contract is issued.
(d) A student accident and health insurance policy or contract shall
provide coverage for essential health benefits as defined in subsection
(a) of section three thousand two hundred seventeen-i or subsection (a)
of section four thousand three hundred six-h of this chapter, as
applicable.
(e) An insurer or corporation shall not refuse to renew or otherwise
terminate a student accident and health insurance policy or contract
except for one or more of the reasons set forth in:
(1) subparagraphs (A), (B), (D) or (G) of paragraph two of subsection
(p) of section three thousand two hundred twenty-one of this article; or
(2) subparagraphs (A), (B), (D) or (G) of paragraph two of subsection
(j) of section four thousand three hundred five of this chapter.
(f) Other than the provisions herein also required by article
forty-three of this chapter, this section shall not apply to coverage
under a student health plan issued pursuant to section one thousand one
hundred twenty-four of this chapter.
(g) The superintendent may promulgate regulations regarding student
accident and health insurance, which may include minimum standards for
the form, content and sale of the policies and contracts and,
notwithstanding the provisions of section three thousand two hundred
thirty-one and four thousand three hundred eight of this chapter, the
establishment of rating methodology to be applied to the policies and
contracts; provided that any such regulations shall be no less favorable
to the insured than that which is provided under federal law and state
law applicable to individual insurance.
(h) The ratio of benefits to premiums shall be not less than
eighty-two percent as calculated in a manner to be determined by the
superintendent.
(i) Every insurer or corporation shall report to the superintendent
annually, on a date specified by the superintendent in a regulation,
claims experience and other data in a manner acceptable to the
superintendent that shall demonstrate the insurer's or corporation's
compliance with the applicable rules and regulations, including the
minimum loss ratio required by subsection (h) of this section. Failure
to comply with subsection (h) of this section is subject to corrective
action, which may include the submission, to the superintendent, of an
appropriate rate filing or form and rate filing to reduce future
premiums, increase benefits, issue dividends, issue premium refunds or
credits, or any combination of these such that the minimum loss ratio
can reasonably be expected to be achieved.
(j) With respect to benefits for treatment relating to an
intercollegiate sports injury, as defined in paragraph six of subsection
(a) of this section, a policy or contract of student accident and health
insurance or a student health plan issued pursuant to section one
thousand one hundred twenty-four of this chapter shall be secondary to a
separate accident policy or contract meeting the requirements of clauses
(I) through (VII) of item (ii) of subparagraph (B) of paragraph one of
subsection (a) of this section.
* NB There are 2 § 3240's

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