N.H. Admin. Code § Ins 4702.05

Current through Register No. 50, December 12, 2024

Section Ins 4702.05 - Coverage Filing Requirements

(a) Individual accident and health travel insurance benefits shall be payable in connection with a covered trip, involving travel away from a covered individual's home or place of business for a specified time.

(b) Coverage may be issued to cover:

(1) Domestic travel;

(2) Foreign travel; or

(3) Space travel.

(c) Individual accident and health travel insurance benefits shall:

(1) Provide trip-based coverage;

(2) Not constitute health coverage under RSA 420-G:2, IX.;

(3) Not be considered creditable coverage under RSA 420-G:2, III.;

(4) Not be reduced or modified based on receipt of any other income or any other benefits;

(5) Not be reduced or modified based on receipt of any insurance coverage under the individual accident and health travel insurance policy or any other insurance policy;

(6) Provide for a pro rata refund of unearned premium upon cancellation of the policy; and

(7) Provide primary coverage for all benefits payable under the policy.

(e) Individual accident and health travel insurance benefits may:

(1) Provide coverage for medical or dental expenses incurred while on a trip;

(2) Require preauthorization;

(3) Provide for insurer referrals to local healthcare providers upon the request of the insured;

(4) Be indemnity or expense based coverage; or

(5) Provide coverage, as set forth in the policy, for dependents or travel companions for claims incurred by them while on a covered trip.

(f) The duration of the policy coverage shall not exceed the end of the scheduled period of a covered trip for any covered person unless:

(1) Arrival at the covered individual's final destination occurs before the scheduled trip end date, in which case the coverage period may end at the time the individual arrives at the final destination; or

(2) Arrival at the covered individual's final destination is delayed for a covered reason, in which case the coverage period may be extended until the individual arrives at the final destination.

N.H. Admin. Code § Ins 4702.05

Adopted byVolume XXXIV Number 41, Filed October 9, 2014, Proposed by #10681, Effective 11/3/2014, Expires 11/3/2024