1. (a) In order to increase policyholder understanding of individual accident and sickness policies, insurers are encouraged to draft individual accident and sickness policies in a readable manner. To maintain the value of the policy as a legal document, the utmost care and caution must be used in its preparation. Insurance Code Chapter 1201, Subchapter E, concerning Required Policy Provisions, requires the use of certain policy provisions in particular language or provisions that are as favorable to the insured or beneficiary as those set forth in that subchapter. Even with these requirements of law, insurers are encouraged to experiment with new language in these areas.
2. (b) The standards for plain language and readability set forth in Subchapter A of this title (relating to Submission Requirements for Filings and Departmental Actions Related to Such Filings) apply to forms filed under this subchapter.

Source Note:The provisions of this §3.3100 adopted to be effective January 26, 1977, 2 TexReg 159; amended to be effective May 11, 2022, 47 Texreg 2758; amended to be effective April 17, 2025, 50 TexReg 2383.