(a) Every insurer subject to this Part may offer all applicants for medical malpractice insurance and all policyholders, effective with the next anniversary date, the option of purchasing a consent policy.
(b) Any consent medical malpractice insurance policy offered an insured by the insurer shall be offered, at the insured's option, with or without a reasonable deductible or coinsurance clause.
(c) The type or types of consent policies offered to insureds shall be at the option of the insurer.