1. A. Crime.

   1. (1) An individual or group contract may not include a limitation or exclusion for loss to which a contributing cause was the member's commission of or attempt to commit a crime.
   2. (2) An individual or group contract may not include a limitation or exclusion for loss for which a contributing cause was the commission of or the attempt to commit a crime by an individual other than the member.
2. B. Illegal Occupation. An individual or group contract may not include a limitation or exclusion for loss to which a contributing cause was the member being engaged in an illegal occupation.

3. C. Intoxicants and Narcotics or Use of Intoxicants or Narcotics.

   1. (1) An individual or group contract may not include a limitation or exclusion for loss sustained or contracted in consequence of the member being intoxicated or under the influence of any drug.

   2. (2) An individual or group contract may not include a limitation or exclusion for loss due to:

      1. (a) The use of alcohol;
      2. (b) The use of drugs or narcotics; or
      3. (c) Alcoholism or drug addiction.
4. D. Preexisting Conditions. An individual or group contract may not include a limitation or exclusion for a preexisting condition.

Authority: Health-General Article, §19-713(f); Insurance Article, §12-203(g); Annotated Code of Maryland

Effective date: October 30, 2000 (27:21 Md. R. 1979)

Regulation .02B amended effective October 18, 2010 (37:21 Md. R. 1439)

Regulation .04 amended effective August 3, 2015 (42:15 Md. R. 1019)

Regulation .04N adopted effective October 18, 2010 (37:21 Md. R. 1439)

Regulation .05D amended effective November 7, 2005 (32:22 Md. R. 1760)

Regulation .05E amended effective August 3, 2015 (42:15 Md. R. 1019)

Regulation .05H adopted effective October 18, 2010 (37:21 Md. R. 1439)

Regulation .05H amended effective April 22, 2019 (46:8 Md. R. 402)

Regulation .06A amended as an emergency provision effective May 9, 2003 (30:11 Md. R. 733); amended permanently effective October 27, 2003 (30:21 Md. R. 1531)