§ 514a-3

514A.3 Accident and sickness policy provisions. 1. Required provisions. Except as provided in subsection 3 of this section, each such policy delivered or issued for delivery to any person in this state shall contain the provisionsspecified in this subsection in the words in which the same appear in this section; provided,however, that the insurer may, at its option, substitute for one or more of such provisionscorresponding provisions of different wording approved by the commissioner which arein each instance not less favorable in any respect to the insured or the beneficiary. Suchprovisions shall be preceded individually by the caption appearing in this subsection or, atthe option of the insurer, by such appropriate individual or group captions or subcaptions asthe commissioner may approve. a. A provision as follows:Entire contract — changes: This policy, including the endorsements and the attached papers, if any, constitutes the entire contract of insurance. No change in this policy shallbe valid until approved by an executive officer of the insurer and unless such approval beendorsed hereon or attached hereto.

nstitutes the entire contract of insurance. No change in this policy shallbe valid until approved by an executive officer of the insurer and unless such approval beendorsed hereon or attached hereto. No agent has authority to change this policy or to waiveany of its provisions. b. A provision as follows:Time limit on certain defenses: (1) After two years from the date of issue of this policy no misstatements, except fraudulent misstatements, made by the applicant in the applicationfor such policy shall be used to void the policy or to deny a claim for loss incurred or disability(as defined in the policy) commencing after the expiration of this two-year period. (The foregoing policy provision shall not be so construed as to affect any legal requirement for avoidance of a policy or denial of a claim during such initial two-year period, nor tolimit the application of subsection 2, paragraphs 'a', 'b', 'c', 'd' and 'e', in the event ofmisstatement with respect to age or occupation or other insurance.) (A policy which the insured has the right to continue in force subject to its terms by the timely payment of premium (a) until at least age fifty or, (b) in the case of a policy

or other insurance.) (A policy which the insured has the right to continue in force subject to its terms by the timely payment of premium (a) until at least age fifty or, (b) in the case of a policy issuedafter age forty-four, for at least five years from its date of issue, may contain in lieu of theforegoing the following provision (from which the clause in parentheses may be omitted atthe insurer’s option) under the caption 'incontestable': After this policy has been in force for a period of two years during the lifetime of the insured, (excluding any period during which the insured is disabled), it shall become incontestable asto the statements contained in the application.) (2) No claim for loss incurred or disability (as defined in the policy) commencing after two years from the date of issue of this policy shall be reduced or denied on the ground thata disease or physical condition not excluded from coverage by name or specific descriptioneffective on the date of loss had existed prior to the effective date of coverage of this policy. c. A provision as follows:Grace period: A grace period of ............

by name or specific descriptioneffective on the date of loss had existed prior to the effective date of coverage of this policy. c. A provision as follows:Grace period: A grace period of ............ (insert a number not less than '7' for weekly premium policies, '10' for monthly premium policies and '31' for all other policies) days willbe granted for the payment of each premium falling due after the first premium, during whichgrace period the policy shall continue in force. (A policy which contains a cancellation provision may add, at the end of the above provision, subject to the right of the insurer to cancel in accordance with the cancellation provisionhereof. A policy in which the insurer reserves the right to refuse any renewal shall have, at the beginning of the above provision, Unless not less than five days prior to the premium due date the insurer has delivered to the insured or has mailed to the insured’s last address as shown by the records of theinsurer written notice of its intention not to renew this policy beyond the period for whichthe premium has been accepted.) d. A provision as follows:Reinstatement: If any renewal premium be not paid within the time granted

f its intention not to renew this policy beyond the period for whichthe premium has been accepted.) d. A provision as follows:Reinstatement: If any renewal premium be not paid within the time granted the insured for payment, a subsequent acceptance of premium by the insurer or by any agent dulyauthorized by the insurer to accept such premium, without requiring in connection therewith Sat Dec 23 00:44:26 2023 Iowa Code 2024, Section 514A.3 (18, 1) §514A.3, ACCIDENT AND HEALTH INSURANCE 2 an application for reinstatement, shall reinstate the policy; provided, however, that if theinsurer or such agent requires an application for reinstatement and issues a conditionalreceipt for the premium tendered, the policy will be reinstated upon approval of suchapplication by the insurer or, lacking such approval, upon the forty-fifth day following thedate of such conditional receipt unless the insurer has previously notified the insured inwriting of its disapproval of such application. The reinstated policy shall cover only lossresulting from such accidental injury as may be sustained after the date of reinstatementand loss due to such sickness as may begin more than ten days after such date.

ted policy shall cover only lossresulting from such accidental injury as may be sustained after the date of reinstatementand loss due to such sickness as may begin more than ten days after such date. In all otherrespects the insured and insurer shall have the same rights thereunder as they had under thepolicy immediately before the due date of the defaulted premium, subject to any provisionsendorsed hereon or attached hereto in connection with the reinstatement. Any premiumaccepted in connection with a reinstatement shall be applied to a period for which premiumhas not been previously paid, but not to any period more than sixty days prior to the date ofreinstatement. (The last sentence of the above provision may be omitted from any policy which the insured has the right to continue in force subject to its terms by the timely payment of premiums (1)until at least age fifty or, (2) in the case of a policy issued after age forty-four, for at least fiveyears from its date of issue.) e. A provision as follows:Notice of claim: Written notice of claim must be given to the insurer within twenty days after the occurrence or commencement of any loss covered by the policy, or as soon

) e. A provision as follows:Notice of claim: Written notice of claim must be given to the insurer within twenty days after the occurrence or commencement of any loss covered by the policy, or as soon thereafteras is reasonably possible. Notice given by or on behalf of the insured or the beneficiary tothe insurer at ............ (insert the location of such office as the insurer may designate for thepurpose), or to any authorized agent of the insurer, with information sufficient to identify theinsured, shall be deemed notice to the insurer. (In a policy providing a loss-of-time benefit which may be payable for at least two years, an insurer may at its option insert the following between the first and second sentences of theabove provision: Subject to the qualifications set forth below, if the insured suffers loss of time on account of disability for which indemnity may be payable for at least two years, the insured shall, atleast once in every six months after having given notice of claim, give to the insurer noticeof continuance of said disability, except in the event of legal incapacity.

wo years, the insured shall, atleast once in every six months after having given notice of claim, give to the insurer noticeof continuance of said disability, except in the event of legal incapacity. The period of sixmonths following any filing of proof by the insured or any payment by the insurer on accountof such claim or any denial of liability in whole or in part by the insurer shall be excludedin applying this provision. Delay in the giving of such notice shall not impair the insured’sright to any indemnity which would otherwise have accrued during the period of six monthspreceding the date on which such notice is actually given.) f. A provision as follows: Claim forms: The insurer, upon receipt of a notice of claim, will furnish to the claimant such forms as are usually furnished by it for filing proofs of loss. If such forms are notfurnished within fifteen days after the giving of such notice the claimant shall be deemed tohave complied with the requirements of this policy as to proof of loss upon submitting, withinthe time fixed in the policy for filing proofs of loss, written proof covering the occurrence, thecharacter and the extent of the loss for which claim is made.

to proof of loss upon submitting, withinthe time fixed in the policy for filing proofs of loss, written proof covering the occurrence, thecharacter and the extent of the loss for which claim is made. g. A provision as follows:Proofs of loss: Written proof of loss must be furnished to the insurer at its said office in case of claim for loss for which this policy provides any periodic payment contingent uponcontinuing loss within ninety days after the termination of the period for which the insureris liable and in case of claim for any other loss within ninety days after the date of such loss.Failure to furnish such proof within the time required shall not invalidate nor reduce anyclaim if it was not reasonably possible to give proof within such time, provided such proofis furnished as soon as reasonably possible and in no event, except in the absence of legalcapacity, later than one year from the time proof is otherwise required. h. A provision as follows:Time of payment of claims: Indemnities payable under this policy for any loss other than loss for which this policy provides any periodic payment will be paid immediately upon receipt Sat Dec 23 00:44:26 2023 Iowa Code 2024,

: Indemnities payable under this policy for any loss other than loss for which this policy provides any periodic payment will be paid immediately upon receipt Sat Dec 23 00:44:26 2023 Iowa Code 2024, Section 514A.3 (18, 1) of due written proof of such loss. Subject to due written proof of loss, all accrued indemnitiesfor loss for which this policy provides periodic payment will be paid ............ (insert period forpayment which must not be less frequently than monthly) and any balance remaining unpaidupon the termination of liability will be paid immediately upon receipt of due written proof. i. A provision as follows:Payment of claims: Indemnity for loss of life will be payable in accordance with the beneficiary designation and the provisions respecting such payment which may be prescribedherein and effective at the time of payment. If no such designation or provision is theneffective, such indemnity shall be payable to the estate of the insured. Any other accruedindemnities unpaid at the insured’s death may, at the option of the insurer, be paid either tosuch beneficiary or to such estate. All other indemnities will be payable to the insured.

ny other accruedindemnities unpaid at the insured’s death may, at the option of the insurer, be paid either tosuch beneficiary or to such estate. All other indemnities will be payable to the insured. (The following provisions, or either of them, may be included with the foregoing provision at the option of the insurer: If any indemnity of this policy shall be payable to the estate of the insured, or to an insured or beneficiary who is a minor or otherwise not competent to give a valid release, the insurermay pay such indemnity, up to an amount not exceeding $........ (insert an amount whichshall not exceed one thousand dollars), to any relative by blood or connection by marriage ofthe insured or beneficiary who is deemed by the insurer to be equitably entitled thereto. Anypayment made by the insurer in good faith pursuant to this provision shall fully discharge theinsurer to the extent of such payment. Subject to any written direction of the insured in the application or otherwise all or a portion of any indemnities provided by this policy on account of hospital, nursing, medical, or surgicalservices may, at the insurer’s option and unless the insured requests otherwise in writing

or a portion of any indemnities provided by this policy on account of hospital, nursing, medical, or surgicalservices may, at the insurer’s option and unless the insured requests otherwise in writing notlater than the time of filing proofs of such loss, be paid directly to the hospital or personrendering such services; but it is not required that the service be rendered by a particularhospital or person.) j. A provision as follows:Physical examinations and autopsy: The insurer at its own expense shall have the right and opportunity to examine the person of the insured when and as often as it may reasonablyrequire during the pendency of a claim hereunder and to make an autopsy in case of deathwhere it is not forbidden by law. k. A provision as follows:Legal actions: No action at law or in equity shall be brought to recover on this policy prior to the expiration of sixty days after written proof of loss has been furnished in accordancewith the requirements of this policy. No such action shall be brought after the expiration ofthree years after the time written proof of loss is required to be furnished. l.

en furnished in accordancewith the requirements of this policy. No such action shall be brought after the expiration ofthree years after the time written proof of loss is required to be furnished. l. A provision as follows:Change of beneficiary: Unless the insured makes an irrevocable designation of beneficiary, the right to change of beneficiary is reserved to the insured and the consentof the beneficiary or beneficiaries shall not be requisite to surrender or assignment of thispolicy or to any change of beneficiary or beneficiaries, or to any other changes in this policy. (The first clause of this provision, relating to the irrevocable designation of beneficiary, may be omitted at the insurer’s option.) m. (1) A provision as follows:Right to return policy: The insured has the right, within ten days after receipt of this policy, to return it to the company at its home office or branch office or to the agent through whomit was purchased, and if so returned the premium paid will be refunded and the policy willbe void from the beginning and the parties shall be in the same position as if a policy had notbeen issued.

omit was purchased, and if so returned the premium paid will be refunded and the policy willbe void from the beginning and the parties shall be in the same position as if a policy had notbeen issued. (2) The foregoing provision shall be prominently printed on the first page of the policy or attached to the policy. (3) The provisions of this paragraph 'm' shall apply to any insurance policy which is delivered or issued for delivery or renewed in this state on or after July 1, 1978. 2. Other provisions. Except as provided in subsection 3 of this section, no such policy delivered or issued for delivery to any person in this state shall contain provisions respectingthe matters set forth below unless such provisions are in the words in which the same appear Sat Dec 23 00:44:26 2023 Iowa Code 2024, Section 514A.3 (18, 1) §514A.3, ACCIDENT AND HEALTH INSURANCE 4 in this section; provided, however, that the insurer may, at its option, use in lieu of any suchprovision a corresponding provision of different wording approved by the commissionerwhich is not less favorable in any respect to the insured or the beneficiary.

t its option, use in lieu of any suchprovision a corresponding provision of different wording approved by the commissionerwhich is not less favorable in any respect to the insured or the beneficiary. Any such provision contained in the policy shall be preceded individually by the appropriate captionappearing in this subsection or, at the option of the insurer, by such appropriate individualor group captions or subcaptions as the commissioner may approve. a. A provision as follows:Change of occupation: If the insured be injured or contract sickness after having changed the insured’s occupation to one classified by the insurer as more hazardous than thatstated in this policy or while doing for compensation anything pertaining to an occupationso classified, the insurer will pay only such portion of the indemnities provided in thispolicy as the premium paid would have purchased at the rates and within the limits fixedby the insurer for such more hazardous occupation. If the insured changes the insured’soccupation to one classified by the insurer as less hazardous than that stated in this policy,the insurer, upon receipt of proof of such change of occupation, will reduce the

red changes the insured’soccupation to one classified by the insurer as less hazardous than that stated in this policy,the insurer, upon receipt of proof of such change of occupation, will reduce the premiumrate accordingly, and will return the excess pro rata unearned premium from the date ofchange of occupation or from the policy anniversary date immediately preceding receiptof such proof, whichever is the more recent. In applying this provision, the classificationof occupational risk and the premium rates shall be such as have been last filed by theinsurer prior to the occurrence of the loss for which the insurer is liable or prior to date ofproof of change in occupation with the state official having supervision of insurance in thestate where the insured resided at the time this policy was issued; but if such filing was notrequired, then the classification of occupational risk and the premium rates shall be thoselast made effective by the insurer in such state prior to the occurrence of the loss or priorto the date of proof of change in occupation. b. A provision as follows:Misstatement of age: If the age of the insured has been misstated, all amounts payable under this policy

ce of the loss or priorto the date of proof of change in occupation. b. A provision as follows:Misstatement of age: If the age of the insured has been misstated, all amounts payable under this policy shall be such as the premium paid would have purchased at the correct age. c. (1) A provision as follows:Other insurance in this insurer: If an accident or sickness or accident and sickness policy or policies previously issued by the insurer to the insured be in force concurrently herewith,making the aggregate indemnity for ............ (insert type of coverage or coverages) in excessof $............ (insert maximum limit of indemnity or indemnities) the excess insurance shall bevoid and all premiums paid for such excess shall be returned to the insured or to the insured’sestate. (2) Or, in lieu thereof:Insurance effective at any one time on the insured under a like policy or policies in this insurer is limited to the one such policy elected by the insured, or the insured’s beneficiaryor estate, as the case may be, and the insurer will return all premiums paid for all other suchpolicies. d.

surer is limited to the one such policy elected by the insured, or the insured’s beneficiaryor estate, as the case may be, and the insurer will return all premiums paid for all other suchpolicies. d. A provision as follows:Insurance with other insurers: If there be other valid coverage, not with this insurer, providing benefits for the same loss on a provision of service basis or on an expense incurredbasis and of which this insurer has not been given written notice prior to the occurrence orcommencement of loss, the only liability under any expense incurred coverage of this policyshall be for such proportion of the loss as the amount which would otherwise have beenpayable hereunder plus the total of the like amounts under all such other valid coveragesfor the same loss of which this insurer had notice bears to the total like amounts under allvalid coverages for such loss, and for the return of such portion of the premiums paid asshall exceed the pro rata portion for the amount so determined. For the purpose of applyingthis provision when other coverage is on a provision of service basis, the 'like amount' ofsuch other coverage shall be taken as the amount which the services

o determined. For the purpose of applyingthis provision when other coverage is on a provision of service basis, the 'like amount' ofsuch other coverage shall be taken as the amount which the services rendered would havecost in the absence of such coverage. (If the foregoing policy provision is included in a policy which also contains the next following policy provision there shall be added to the caption of the foregoing provisionthe phrase ' — expense incurred benefits'. The insurer may, at its option, include in this Sat Dec 23 00:44:26 2023 Iowa Code 2024, Section 514A.3 (18, 1) provision a definition of 'other valid coverage', approved as to form by the commissioner,which definition shall be limited in subject matter to coverage provided by organizationssubject to regulation by insurance law or by insurance authorities of this or any otherstate of the United States or any province of Canada, and by hospital or medical serviceorganizations, and to any other coverage the inclusion of which may be approved by thecommissioner. In the absence of such definition such term shall not include group insurance,automobile medical payments insurance, or coverage provided by hospital or

n of which may be approved by thecommissioner. In the absence of such definition such term shall not include group insurance,automobile medical payments insurance, or coverage provided by hospital or medical serviceorganizations or by union welfare plans or employer or employee benefit organizations.For the purpose of applying the foregoing policy provision with respect to any insured, anyamount of benefit provided for such insured pursuant to any compulsory benefit statute(including any workers’ compensation or employer’s liability statute) whether provided by agovernmental agency or otherwise shall in all cases be deemed to be 'other valid coverage'of which the insurer has had notice. In applying the foregoing policy provision no thirdparty liability coverage shall be included as 'other valid coverage'.) e. A provision as follows:Insurance with other insurers: If there be other valid coverage, not with this insurer, providing benefits for the same loss on other than an expense incurred basis and of whichthis insurer has not been given written notice prior to the occurrence or commencement ofloss, the only liability for such benefits under this policy shall be for such proportion

ed basis and of whichthis insurer has not been given written notice prior to the occurrence or commencement ofloss, the only liability for such benefits under this policy shall be for such proportion of theindemnities otherwise provided hereunder for such loss as the like indemnities of which theinsurer had notice (including the indemnities under this policy) bear to the total amount ofall like indemnities for such loss, and for the return of such portion of the premium paid asshall exceed the pro rata portion for the indemnities thus determined. (If the foregoing policy provision is included in a policy which also contains the next preceding policy provision there shall be added to the caption of the foregoing provisionthe phrase ' — other benefits'. The insurer may, at its option, include in this provisiona definition of 'other valid coverage', approved as to form by the commissioner, whichdefinition shall be limited in subject matter to coverage provided by organizations subjectto regulation by insurance law or by insurance authorities of this or any other state of theUnited States or any province of Canada, and to any other coverage the inclusion of whichmay be approved by the

egulation by insurance law or by insurance authorities of this or any other state of theUnited States or any province of Canada, and to any other coverage the inclusion of whichmay be approved by the commissioner. In the absence of such definition such term shallnot include group insurance, or benefits provided by union welfare plans or by employer oremployee benefit organizations. For the purpose of applying the foregoing policy provisionwith respect to any insured, any amount of benefit provided for such insured pursuant toany compulsory benefit statute (including any workers’ compensation or employer’s liabilitystatute) whether provided by a governmental agency or otherwise shall in all cases be deemedto be 'other valid coverage' of which the insurer has had notice. In applying the foregoingpolicy provision no third party liability coverage shall be included as 'other valid coverage'.) f. A provision as follows: Relation of earnings to insurance: If the total monthly amount of loss of time benefits promised for the same loss under all valid loss of time coverage upon the insured, whetherpayable on a weekly or monthly basis, shall exceed the monthly earnings of the insured at

ss of time benefits promised for the same loss under all valid loss of time coverage upon the insured, whetherpayable on a weekly or monthly basis, shall exceed the monthly earnings of the insured at thetime disability commenced or the insured’s average monthly earnings for the period of twoyears immediately preceding a disability for which claim is made, whichever is the greater,the insurer will be liable only for such proportionate amount of such benefits under this policyas the amount of such monthly earnings or such average monthly earnings of the insuredbears to the total amount of monthly benefits for the same loss under all such coverage uponthe insured at the time such disability commences and for the return of such part of thepremiums paid during such two years as shall exceed the pro rata amount of the premiumsfor the benefits actually paid hereunder; but this shall not operate to reduce the total monthlyamount of benefits payable under all such coverage upon the insured below the sum of twohundred dollars or the sum of the monthly benefits specified in such coverages, whichever isthe lesser, nor shall it operate to reduce benefits other than those payable for loss of

elow the sum of twohundred dollars or the sum of the monthly benefits specified in such coverages, whichever isthe lesser, nor shall it operate to reduce benefits other than those payable for loss of time. (The foregoing policy provision may be inserted only in a policy which the insured has the right to continue in force subject to its terms by the timely payment of premiums (1)until at least age fifty or, (2) in the case of a policy issued after age forty-four, for at least Sat Dec 23 00:44:26 2023 Iowa Code 2024, Section 514A.3 (18, 1) §514A.3, ACCIDENT AND HEALTH INSURANCE 6 five years from its date of issue. The insurer may, at its option, include in this provision adefinition of 'valid loss of time coverage', approved as to form by the commissioner, whichdefinition shall be limited in subject matter to coverage provided by governmental agenciesor by organizations subject to regulation by insurance law or by insurance authorities ofthis or any other state of the United States or any province of Canada, or to any othercoverage the inclusion of which may be approved by the commissioner or any combinationof such coverages.

ities ofthis or any other state of the United States or any province of Canada, or to any othercoverage the inclusion of which may be approved by the commissioner or any combinationof such coverages. In the absence of such definition such term shall not include any coverage provided for such insured pursuant to any compulsory benefit statute (includingany workers’ compensation or employer’s liability statute), or benefits provided by unionwelfare plans or by employer or employee benefit organizations.) g. A provision as follows:Unpaid premium: Upon the payment of a claim under this policy, any premium then due and unpaid or covered by any note or written order may be deducted therefrom. h. A provision as follows:Cancellation: The insurer may cancel this policy at any time by written notice delivered to the insured, or mailed to the insured’s last address as shown by the records of the insurer,stating when, not less than five days thereafter, such cancellation shall be effective; and afterthe policy has been continued beyond its original term the insured may cancel this policyat any time by written notice delivered or mailed to the insurer, effective upon receipt or onsuch later

afterthe policy has been continued beyond its original term the insured may cancel this policyat any time by written notice delivered or mailed to the insurer, effective upon receipt or onsuch later date as may be specified in such notice. In the event of cancellation, the insurer willreturn promptly the unearned portion of any premium paid. If the insured cancels, the earnedpremium shall be computed by the use of the short-rate table last filed with the state officialhaving supervision of insurance in the state where the insured resided when the policy wasissued. If the insurer cancels, the earned premium shall be computed pro rata. Cancellationshall be without prejudice to any claim originating prior to the effective date of cancellation. i. A provision as follows:Conformity with state statutes: Any provision of this policy which, on its effective date, is in conflict with the statutes of the state in which the insured resides on such date is herebyamended to conform to the minimum requirements of such statutes. j. A provision as follows:Illegal occupation: The insurer shall not be liable for any loss to which a contributing cause was the insured’s commission of or attempt to

m requirements of such statutes. j. A provision as follows:Illegal occupation: The insurer shall not be liable for any loss to which a contributing cause was the insured’s commission of or attempt to commit a felony or to which acontributing cause was the insured’s being engaged in an illegal occupation. k. A provision as follows:Intoxicants and narcotics: The insurer shall not be liable for any loss sustained or contracted in consequence of the insured’s being intoxicated or under the influence of anynarcotic unless administered on the advice of a physician. This provision shall not be usedwith respect to a medical expense policy. For purposes of this provision, 'medical expensepolicy' means an accident and sickness insurance policy that provides hospital, medical,and surgical expense coverage. 3. Inapplicable or inconsistent provisions. If any provision of this section is in whole or in part inapplicable to or inconsistent with the coverage provided by a particular form ofpolicy, the insurer, with the approval of the commissioner, shall omit from such policy anyinapplicable provision or part of a provision, and shall modify any inconsistent provision orpart of the provision in

he insurer, with the approval of the commissioner, shall omit from such policy anyinapplicable provision or part of a provision, and shall modify any inconsistent provision orpart of the provision in such manner as to make the provision as contained in the policyconsistent with the coverage provided by the policy. 4. Order of certain policy provisions. The provisions which are the subject of subsections 1 and 2 of this section, or any corresponding provisions which are used in lieu thereof inaccordance with such subsections, shall be printed in the consecutive order of the provisionsin such subsections or, at the option of the insurer, any such provision may appear as a unit inany part of the policy, with other provisions to which it may be logically related, provided theresulting policy shall not be in whole or in part unintelligible, uncertain, ambiguous, abstruse,or likely to mislead a person to whom the policy is offered, delivered or issued. 5. Third party ownership. The word 'insured', as used in this chapter, shall not be construed as preventing a person other than the insured with a proper insurable interest Sat Dec 23 00:44:26 2023 Iowa Code 2024, Section 514A.3 (18, 1)

nsured', as used in this chapter, shall not be construed as preventing a person other than the insured with a proper insurable interest Sat Dec 23 00:44:26 2023 Iowa Code 2024, Section 514A.3 (18, 1) from making application for and owning a policy covering the insured or from being entitledunder such a policy to any indemnities, benefits and rights provided therein. 6. Requirements of other jurisdictions.a. Any policy of a foreign or alien insurer, when delivered or issued for delivery to any person in this state, may contain any provision which is not less favorable to the insured orthe beneficiary than the provisions of this chapter and which is prescribed or required by thelaw of the state under which the insurer is organized. b. Any policy of a domestic insurer may, when issued for delivery in any other state or country, contain any provision permitted or required by the laws of such other state orcountry. 7. Filing procedure. The commissioner may make such reasonable rules and regulations concerning the procedure for the filing or submission of policies subject to this chapter as arenecessary, proper or advisable to the administration of this chapter.

reasonable rules and regulations concerning the procedure for the filing or submission of policies subject to this chapter as arenecessary, proper or advisable to the administration of this chapter. This provision shall notabridge any other authority granted the commissioner by law. [S13, §1820; C24, 27, 31, 35, 39, §8775; C46, 50, §511.36; C54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §514A.3] 90 Acts, ch 1234, §31; 2002 Acts, ch 1111, §15; 2002 Acts, ch 1119, §68; 2023 Acts, ch 64, §80, 81 Referred to in §514A.2, 514A.4, 514A.12, 514D.3, 514D.6, 514D.7Subsection 1, paragraph m amendedSubsection 2, paragraph c amended Sat Dec 23 00:44:26 2023 Iowa Code 2024, Section 514A.3 (18, 1)