RCW 48.20.012
Format of disability policies.
No disability policy shall be delivered or issued for delivery to any person in this state unless it otherwise complies with this code, and complies with the following:
(1) It shall purport to insure only one person, except as to family expense insurance written pursuant to RCW 48.20.340.
(2) The style, arrangement and over-all appearance of the policy shall give no undue prominence to any portion of the text, and every printed portion of the text of the policy and of any endorsements or attached papers shall be plainly printed in light-faced type of a style in general use, the size of which shall be uniform and not less than ten-point with a lower-case unspaced alphabet length not less than one hundred and twenty-point (the "text" shall include all printed matter except the name and address of the insurer, name or title of the policy, the brief description if any, and caption and subcaptions).
(3) The exceptions and reductions of indemnity shall be set forth in the policy and, other than those contained in RCW 48.20.042 to *48.20.272, inclusive, shall be printed, at the insurer's option, either included with the benefit provision to which they apply, or under an appropriate caption such as "Exceptions," or "Exceptions and reductions," except that if an exception or reduction specifically applies only to a particular benefit of the policy, a statement of such exception or reduction shall be included with the benefit provision to which it applies.
(4) Each such form, including riders and endorsements, shall be identified by a form number in the lower left hand corner of the first page thereof.
(5) It shall contain no provision purporting to make any portion of the insurer's charter, rules, constitution, or bylaws a part of the policy unless such portion is set forth in full in the policy, except in the case of the incorporation of, or reference to, a statement of rates or classification of risks, or short-rate table filed with the commissioner.
[ 1951 c 229 § 2; 1947 c 79 § .20.02; formerly Rem. Supp. 1949 § 45.20.02.]
NOTES:
*Reviser's note: RCW 48.20.272 was repealed by 2004 c 112 § 6.
Structure Revised Code of Washington
Chapter 48.20 - Disability Insurance.
48.20.012 - Format of disability policies.
48.20.013 - Return of policy and refund of premium—Notice required—Effect of return.
48.20.022 - Policies issued by domestic insurer for delivery in another state.
48.20.025 - Schedule of rates for individual health benefit plans—Loss ratio—Definitions.
48.20.028 - Calculation of premiums—Adjusted community rating method—Definitions.
48.20.032 - Standard provisions required—Substitutions—Captions.
48.20.042 - Standard provision No. 1—Entire contract; changes.
48.20.050 - Standard provision No. 2—Misstatement of age or sex.
48.20.052 - Standard provision No. 3—Time limit on certain defenses.
48.20.062 - Standard provision No. 4—Grace period.
48.20.072 - Standard provision No. 5—Reinstatement.
48.20.082 - Standard provision No. 6—Notice of claim.
48.20.092 - Standard provision No. 7—Claim forms.
48.20.102 - Standard provision No. 8—Proofs of loss.
48.20.112 - Standard provision No. 9—Time of payment of claims.
48.20.122 - Standard provision No. 10—Payment of claims.
48.20.132 - Standard provision No. 11—Physical examination and autopsy.
48.20.142 - Standard provision No. 12—Legal actions.
48.20.152 - Standard provision No. 13—Change of beneficiary.
48.20.162 - Optional standard provisions.
48.20.172 - Optional standard provision No. 14—Change of occupation.
48.20.192 - Optional standard provision No. 15—Other insurance in this insurer.
48.20.212 - Optional standard provision No. 17—Insurance with other insurers.
48.20.222 - Optional standard provision No. 18—Relation of earnings to insurance.
48.20.232 - Optional standard provision No. 19—Unpaid premium.
48.20.242 - Optional standard provision No. 20—Cancellation.
48.20.252 - Optional standard provision No. 21—Conformity with state statutes.
48.20.262 - Optional standard provision No. 22—Illegal occupation.
48.20.282 - Order of certain policy provisions.
48.20.292 - Third party ownership.
48.20.302 - Requirements of other jurisdictions.
48.20.340 - "Family expense disability insurance" defined.
48.20.350 - "Franchise plan" defined.
48.20.360 - Extended disability benefit.
48.20.380 - Incontestability after reinstatement.
48.20.385 - When injury caused by intoxication or use of narcotics.
48.20.389 - Prescribed, self-administered anticancer medication.
48.20.390 - Podiatric medicine and surgery.
48.20.391 - Diabetes coverage.
48.20.392 - Prostate cancer screening.
48.20.393 - Mammograms—Insurance coverage.
48.20.395 - Reconstructive breast surgery.
48.20.397 - Mastectomy, lumpectomy.
48.20.411 - Registered nurses or advanced registered nurses.
48.20.414 - Psychological services.
48.20.417 - Dental services that are not subject to contract or provider agreement.
48.20.418 - Denturist services.
48.20.420 - Dependent child coverage—Continuation for incapacity.
48.20.435 - Option to cover dependents under age twenty-six.
48.20.450 - Standardization and simplification of terms and coverages—Disclosure requirements.
48.20.460 - Standardization and simplification—Minimum standards for benefits and coverages.
48.20.470 - Standardization and simplification—Outline of coverage—Format and contents.
48.20.490 - Continuation of coverage by former spouse and dependents.
48.20.500 - Coverage for adopted children.
48.20.510 - Cancellation of rider.
48.20.530 - Nonresident pharmacies.
48.20.550 - Fixed payment insurance—Standard disclosure form.
48.20.555 - Fixed payment insurance—Benefit restrictions.
48.20.580 - Mental health services—Definition—Coverage required, when.
48.20.900 - Construction—Chapter applicable to state registered domestic partnerships—2009 c 521.