N.Y. Comp. Codes R. & Regs. tit. 11, § 52.72 – Nondiscrimination on the basis of race, color, creed, national origin, sex, age, marital status, disability, or preexisting condition.

(a) With regard to a small or large group or individual accident and health insurance policy that provides hospital, surgical, or medical expense coverage and a student accident and health insurance policy delivered or issued for delivery in this State, no insurer shall, because of race, color, creed, national origin, sex, age, marital status, disability, or preexisting condition:
1. (1) make any distinction or discrimination between persons as to the premiums or rates charged for the policy or in any other manner whatever;
2. (2) demand or require a greater premium from any person than it requires at that time from others in similar cases;
3. (3) make or require any rebate, discrimination or discount upon the amount to be paid or the service to be rendered on any policy;
4. (4) insert in the policy any condition, or make any stipulation, whereby the insured binds his or herself, or his or her heirs, executors, administrators or assigns, to accept any sum or service less than the full value or amount of such policy in case of a claim thereon except such conditions and stipulations as are imposed upon others in similar cases; and any such stipulation or condition so made or inserted shall be void;
5. (5) reject any application for a policy issued or sold by it;
6. (6) cancel or refuse to issue, renew or sell such policy after appropriate application therefor; or
7. (7) fix any lower rate or discriminate in the fees or commissions of insurance agents or insurance brokers for writing or renewing such a policy.
(b) For the purposes of this section, disability shall have the same meaning set forth in Executive Law section 292(21).
1. (1) Discrimination because of national origin shall include discrimination based on an individual's, or his or her ancestor's, place of origin (such as country or world region) or an individual's manifestation of the physical, cultural, or linguistic characteristics of a national origin group.
2. (2) Discrimination because of sex shall include discrimination on the basis of pregnancy, false pregnancy, termination of pregnancy, or recovery therefrom, childbirth or related medical conditions, sex stereotyping, sexual orientation, gender identity or expression, and transgender status.
(c)