1. (a) When the blanket or group accident and health travel insurance policy provides any of the following benefits, it shall meet the applicable minimum benefit standards per covered person:

   1. (1) Accidental death benefits with a minimum death loss benefit of $10,000;

   2. (2) Dismemberment benefits with a minimum benefit amount of $2,500 per limb and $1,000

      per digit;

   3. (3) Medical expense benefits with a minimum benefit of $10,000 per occurrence; and
   4. (4) Disability benefits with a minimum of 4 weeks of periodic income benefits for total disability.
2. (b) Policies shall provide for a pro rata refund of unearned premium upon cancellation of the policy.
3. (c) Policies shall provide primary coverage for all benefits payable under the policy.

4. (d) Policies providing disability benefits shall:

   1. (1) Include a definition for total disability that complies with Ins 6205.02;
   2. (2) If offered, comply with definitions of partial or other levels of disability benefits in Ins 6205.02;
   3. (3) Clearly identify the various income sources or components that are considered earnings;
   4. (4) Clearly explain the calculation of pre-disability earnings and benefit amounts;
   5. (5) Include a detailed explanation of how claims are administered; and
   6. (6) Limit any reduction in benefits, if any, to those permitted in Ins 6205.05(c).

Source. #10681, eff 11-3-14; ss by #13989, eff 5-29-24