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Missouri House Bill HB2566

Missouri 2022 Regular Session

Missouri House Bill HB2566 Compare Versions

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11 SECONDREGULARSESSION
2-[PERFECTED]
32 HOUSEBILLNO.2566
43 101STGENERALASSEMBLY
54 INTRODUCEDBYREPRESENTATIVEPORTER.
6-5175H.01P DANARADEMANMILLER,ChiefClerk
5+5175H.01I DANARADEMANMILLER,ChiefClerk
76 ANACT
87 Torepealsection375.159,RSMo,andtoenactinlieuthereofonenewsectionrelatingto
98 travelinsurance,withpenaltyprovisions.
109 BeitenactedbytheGeneralAssemblyofthestateofMissouri,asfollows:
1110 SectionA.Section375.159,RSMo,isrepealedandonenewsectionenactedinlieu
1211 2thereof,tobeknownassection375.159,toreadasfollows:
1312 375.159.1.Asusedinthissection,thefollowingtermsshallmean:
1413 2 (1)"Aggregatorsite",awebsitethatprovidesinformationregardinginsurance
1514 3productsfrommorethanoneinsurer,includingproductandinsurerinformation,for
1615 4useincomparisonshopping;
1716 5 (2)"Blankettravelinsurance",apolicyoftravelinsuranceissuedtoanyeligible
1817 6groupprovidingcoverageforspecificclassesofpersonsdefinedinthepolicy,with
1918 7coverageprovidedtoallmembersoftheeligiblegroupwithoutaseparatechargeto
2019 8individualmembersoftheeligiblegroup;
2120 9 (3)"Cancellationfeewaiver",acontractualagreementbetweenasupplierof
2221 10travelservicesanditscustomertowaivesomeorallofthenonrefundablecancellation
2322 11feeprovisionsofthesupplier'sunderlyingtravelcontractwithorwithoutregardtothe
2423 12reasonforthecancellationorformofreimbursement.Acancellationfeewaiverisnot
2524 13insurance;
2625 14 (4)"Director",thedirectorofthedepartmentofcommerceandinsurance;
27-EXPLANATION—Matterenclosedinbold-facedbrackets[thus] intheabovebillisnotenactedandis
28-intendedtobeomittedfromthelaw.Matterinbold-facetypeintheabovebillisproposedlanguage. 15 (5)"Eligiblegroup",solelyforthepurposeoftravelinsurance,twoormore
26+15 (5)"Eligiblegroup",solelyforthepurposeoftravelinsurance,twoormore
2927 16personswhoareengagedinacommonenterpriseorhaveaneconomic,educational,or
3028 17socialaffinityorrelationshipincluding,butnotlimitedto,anyofthefollowing:
31-18 (a)Anyentityengagedinthebusinessofprovidingtravelortravelservices
29+EXPLANATION—Matterenclosedinbold-facedbrackets[thus] intheabovebillisnotenactedandis
30+intendedtobeomittedfromthelaw.Matterinbold-facetypeintheabovebillisproposedlanguage. 18 (a)Anyentityengagedinthebusinessofprovidingtravelortravelservices
3231 19including,butnotlimitedto,touroperators,lodgingproviders,vacationproperty
3332 20owners,hotelsandresorts,travelclubs,travelagencies,propertymanagers,cultural
3433 21exchangeprograms,andcommoncarriersortheoperator,owner,orlessorofameans
3534 22oftransportationofpassengersincluding,butnotlimitedto,airlines,cruiselines,
3635 23railroads,steamshipcompanies,andpublicbuscarriers,inwhichthereisacommon
3736 24exposuretoriskattendanttotheparticulartypeoftravelortravelerforallmembersor
3837 25customersofthegroup;
3938 26 (b)Anycollege,school,orotherinstitutionoflearning,coveringstudents,
4039 27teachers,employees,orvolunteers;
4140 28 (c)Anyemployercoveringanygroupofemployees,volunteers,contractors,
4241 29membersofboardsofdirectors,dependents,orguests;
4342 30 (d)Anysportsteam,camp,orsponsorthereof,coveringparticipants,members,
4443 31campers,employees,officials,supervisors,orvolunteers;
4544 32 (e)Anyreligious,charitable,recreational,educational,orcivicorganization,or
4645 33branchthereof,coveringanygroupofmembers,participants,orvolunteers;
4746 34 (f)Anyfinancialinstitution,financialinstitutionvendor,orparentholding
4847 35company,trustee,oragentofordesignatedbyoneormorefinancialinstitutionsor
4948 36financialinstitutionvendors,includingaccountholders,creditcardholders,debtors,
5049 37guarantors,orpurchasers;
5150 38 (g)Anyincorporatedorunincorporatedassociation,includinganylaborunion,
5251 39havingacommoninterest,constitution,andbylawsandorganizedandmaintainedin
5352 40goodfaithforpurposesotherthanobtaininginsuranceformembersorparticipantsof
5453 41suchassociation,coveringitsmembers;
5554 42 (h)Anytrustorthetrusteesofafundestablished,created,ormaintainedforthe
5655 43benefitofandcoveringmembers,employees,orcustomersofoneormoreassociations
5756 44meetingtherequirementsofparagraph(g)ofthissubdivision,subjecttothedirector's
5857 45permissionoftheuseofatrustandthestate'spremiumtaxprovisionsdescribedin
5958 46subsection4ofthissection;
6059 47 (i)Anyentertainmentproductioncompanycoveringanygroupofparticipants,
6160 48volunteers,audiencemembers,contestants,orworkers;
6261 49 (j)Anyvolunteerfiredepartment,ambulance,rescue,police,court,firstaid,
6362 50civildefense,orothersuchvolunteergroup;
64-HB2566 2 51 (k)Preschools,daycareinstitutionsforchildrenoradults,andseniorcitizen
63+51 (k)Preschools,daycareinstitutionsforchildrenoradults,andseniorcitizen
6564 52clubs;
6665 53 (l)Anyautomobileortruckrentalorleasingcompanycoveringagroupof
6766 54personswhomaybecomerenters,lessees,orpassengersdefinedbytheirtravelstatuson
68-55therentedorleasedvehicles.Thecommoncarrier;theoperator,owner,orlessorofa
67+HB2566 2 55therentedorleasedvehicles.Thecommoncarrier;theoperator,owner,orlessorofa
6968 56meansoftransportation;ortheautomobileortruckrentalorleasingcompanyisthe
7069 57policyholderunderapolicytowhichthissectionapplies;or
7170 58 (m)Anyothergroupforwhichthedirectorhasdeterminedthatthemembers
7271 59areengagedinacommonenterpriseorhaveaneconomic,educational,orsocialaffinity
7372 60orrelationshipandthatissuanceofthepolicywouldnotbecontrarytothepublic
7473 61interest;
7574 62 (6)"Fulfillmentmaterials",documentationsenttothepurchaserofatravel
7675 63protectionplanconfirmingthepurchaseandprovidingthetravelprotectionplan's
7776 64coverageandassistancedetails;
7877 65 (7)"Grouptravelinsurance",travelinsuranceissuedtoanyeligiblegroup;
7978 66 (8)"Limitedlinestravelinsuranceproducer",a:
8079 67 (a)Licensedmanaginggeneralagentasprovidedbysections375.147to375.153or
8180 68third-partyadministrator; [or]
8281 69 (b)Licensedinsuranceproducerasprovidedbychapter375[;], includingalimited
8382 70linesproducer,designatedbytheinsurerasthetravelinsurancesupervisingentityasset
8483 71forthinsubdivision(7)ofsubsection[5]3ofthissectionbelow;or
8584 72 (c)Traveladministrator;
8685 73 [(2)] (9)"Offeranddisseminate",providegeneralinformation,includinga
8786 74descriptionofthecoverageandprice,aswellasprocesstheapplication,collectpremiums,
8887 75andperformothernonlicensableactivitiespermittedbythestate;
8988 76 [(3)](10)"Primarycertificateholder",apersonwhoelectsandpurchasestravel
9089 77insuranceunderagrouppolicy;
9190 78 (11)"Primarypolicyholder",apersonwhoelectsandpurchasesindividual
9291 79travelinsurance;
9392 80 (12)"Traveladministrator",apersonwhodirectlyorindirectlyunderwrites;
9493 81collectscharges,collateral,orpremiumsfrom;oradjustsandsettlesclaimsonresidents
9594 82ofthisstateinconnectionwithtravelinsurance,exceptthatapersonshallnotbe
9695 83consideredatraveladministratorifthatperson'sonlyactionsthatwouldotherwise
9796 84causethepersontobeconsideredatraveladministratorareoneofthefollowing:
9897 85 (a)Apersonworkingforatraveladministratortotheextentthattheperson's
9998 86activitiesaresubjecttothesupervisionandcontrolofthetraveladministrator;
100-HB2566 3 87 (b)Aninsuranceproducersellinginsuranceorengagedinadministrativeand
99+87 (b)Aninsuranceproducersellinginsuranceorengagedinadministrativeand
101100 88claims-relatedactivitieswithinthescopeoftheproducer'slicense;
102101 89 (c)Atravelretailerofferinganddisseminatingtravelinsuranceandregistered
103102 90underthelicenseofalimitedlinestravelinsuranceproducerinaccordancewiththis
104103 91section;
105-92 (d)Apersonadjustingorsettlingclaimsinthenormalcourseofthatperson's
104+HB2566 3 92 (d)Apersonadjustingorsettlingclaimsinthenormalcourseofthatperson's
106105 93practiceoremploymentasanattorney-at-lawandwhodoesnotcollectchargesor
107106 94premiumsinconnectionwithinsurancecoverage;or
108107 95 (e)Abusinessentitythatisaffiliatedwithalicensedinsurerwhileactingasa
109108 96traveladministratorforthedirectandassumedinsurancebusinessofanaffiliated
110109 97insurer;
111110 98 (13)"Travelassistanceservices",noninsuranceservicesforwhichtheconsumer
112111 99isnotindemnifiedbasedonafortuitouseventandinwhichprovidingtheservicedoes
113112 100notresultintransferorshiftingofriskthatwouldconstitutethebusinessofinsurance.
114113 101Theterm"travelassistanceservices"includes,butisnotlimitedto,securityadvisories,
115114 102destinationinformation,vaccinationandimmunizationinformationservices,travel
116115 103reservationservices,entertainment,activityandeventplanning,translationassistance,
117116 104emergencymessaging,internationallegalandmedicalreferrals,medicalcase
118117 105monitoring,coordinationoftransportationarrangements,emergencycashtransfer
119118 106assistance,medicalprescriptionreplacementassistance,passportandtraveldocument
120119 107replacementassistance,lostluggageassistance,conciergeservices,andanyotherservice
121120 108thatisfurnishedinconnectionwithplannedtravel.Travelassistanceservicesarenot
122121 109insuranceandnotrelatedtoinsurance;
123122 110 (14)"Travelinsurance",insurancecoverageforpersonalrisksincidenttoplanned
124123 111travel,including,butnotlimitedto:
125124 112 (a)Interruptionorcancellationoftriporevent;
126125 113 (b)Lossofbaggageorpersonaleffects;
127126 114 (c)Damagestoaccommodationsorrentalvehicles;[or]
128127 115 (d)Sickness,accident,disability,ordeathoccurringduringtravel;
129128 116 (e)Emergencyevacuation;
130129 117 (f)Repatriationofremains;or
131130 118 (g)Anyothercontractualobligationstoindemnifyorpayaspecifiedamountto
132131 119thetravelerupondeterminablecontingenciesrelatedtotravelasapprovedbythe
133132 120director.
134133 121
135134 122Travelinsurancedoesnotincludemajormedicalplans,whichprovidecomprehensive
136135 123medicalprotectionfortravelerswithtripslastingsixmonthsorlonger,including,for
137-HB2566 4 124example,thosepersonsworkingoverseasasexpatriatesormilitarypersonnelbeingdeployed,
136+124example,thosepersonsworkingoverseasasexpatriatesormilitarypersonnelbeingdeployed,
138137 125oranyotherproductthatrequiresaspecificinsuranceproducerlicense;
139138 126 [(4)](15)"Travelprotectionplans",plansthatprovideoneormoreofthe
140139 127following:
141140 128 (a)Travelinsurance;
142-129 (b)Travelassistanceservices;or
141+HB2566 4 129 (b)Travelassistanceservices;or
143142 130 (c)Cancellationfeewaivers;
144143 131 (16)"Travelretailer",abusinessentitythatmakes,arranges,orofferstravelservices
145144 132andmayofferanddisseminatetravelinsuranceasaservicetoitscustomersonbehalfofand
146145 133underthedirectionofalimitedlinestravelinsuranceproducer.
147146 134 2.(1)Therequirementsofthissectionshallapplytotravelinsurancethatcovers
148147 135anyresidentofthisstateandissold,solicited,negotiated,orofferedinthisstateand
149148 136policiesandcertificatesthataredeliveredorissuedfordeliveryinthisstate.Exceptas
150149 137expresslyprovidedinthissection,therequirementsofthissectionshallnotapplyto
151150 138cancellationfeewaiversortravelassistanceservices.
152151 139 (2)Allotherapplicableprovisionsofthisstate'sinsurancelawsshallcontinueto
153152 140applytotravelinsurance,exceptthatthespecificprovisionsofthissectionshall
154153 141supersedeanygeneralprovisionsoflawthatwouldotherwisebeapplicabletotravel
155154 142insurance.
156155 143 3.Notwithstandinganyotherprovisionoflaw:
157156 144 (1)Thedirectormayissuealimitedlinestravelinsuranceproducerlicensetoa
158157 145personorbusinessentitythathasfiledwiththedirectoranapplicationforalimited
159158 146linestravelinsuranceproducerlicenseinaformandmannerprescribedbythedirector.
160159 147Alimitedlinestravelinsuranceproducershallbelicensedtosell,solicit,ornegotiate
161160 148travelinsurancethroughalicensedinsurer.Nopersonshallactasalimitedlinestravel
162161 149insuranceproducerortravelretailerunlessproperlylicensedorregistered,
163162 150respectively;
164163 151 (2)Atravelretailermayofferanddisseminatetravelinsuranceonbehalfofandunder
165164 152thecontrolofalimitedlinestravelinsuranceproduceronlyifthefollowingconditionsare
166165 153met:
167166 154 (a)Thelimitedlinestravelinsuranceproducerortravelretailerprovidesto
168167 155purchasersoftravelinsurance:
169168 156 a.Adescriptionofthematerialtermsortheactualmaterialtermsoftheinsurance
170169 157coverage;
171170 158 b.Adescriptionoftheprocessforfilingaclaim;
172171 159 c.Adescriptionoftherevieworcancellationprocessforthetravelinsurancepolicy;
173172 160and
174-HB2566 5 161 d.Theidentityandcontactinformationoftheinsurerandlimitedlinestravel
173+161 d.Theidentityandcontactinformationoftheinsurerandlimitedlinestravel
175174 162insuranceproducer;
176175 163 (b)Atthetimeoflicensure,thelimitedlinestravelinsuranceproducershallestablish
177176 164andmaintainaregisteronaformprescribedbythedirectorofeachtravelretailerthatoffers
178177 165travelinsuranceonthelimitedlinestravelinsuranceproducer'sbehalf.Theregistershallbe
179-166maintainedandupdatedannuallybythelimitedlinestravelinsuranceproducerandshall
178+HB2566 5 166maintainedandupdatedannuallybythelimitedlinestravelinsuranceproducerandshall
180179 167includethename,address,andcontactinformationofthetravelretailerandanofficeror
181180 168personwhodirectsorcontrolsthetravelretailer'soperations,andthetravelretailer'sfederal
182181 169taxidentificationnumber.Thelimitedlinestravelinsuranceproducershallsubmitsuch
183182 170registerwithinthirtydaysuponrequestbythedepartment.Thelimitedlinestravelinsurance
184183 171producershallalsocertifythatthetravelretailer[register] registeredcomplieswith18
185184 172U.S.C.1033. Thegroundsforsuspensionandrevocationandthepenaltiesapplicableto
186185 173residentinsuranceproducersundersections375.141to375.153shallbeapplicableto
187186 174thelimitedlinestravelinsuranceproducersandtravelretailers;
188187 175 (c)Thelimitedlinestravelinsuranceproducerhasdesignatedoneofitsemployees
189188 176whoisalicensedindividualproducerasapersonresponsibleforthebusinessentity's
190189 177compliancewiththetravelinsurancelaws,rules,andregulationsofthisstate;
191190 178 (d)Thedesignatedpersonunderparagraph(c)ofthissubdivision,president,
192191 179secretary,treasurer,andanyotherofficerorpersonwhodirectsorcontrolsthelimitedlines
193192 180travelinsuranceproducer'sinsuranceoperationscomplieswiththefingerprinting
194193 181requirementsapplicabletoinsuranceproducersintheresidentstateofthe[businessentity]
195194 182limitedlinestravelinsuranceproducer;
196195 183 (e)Thelimitedlinestravelinsuranceproducerhaspaidallapplicableinsurance
197196 184producerlicensingfeesassetforthinapplicablestatelaw;
198197 185 (f)Thelimitedlinestravelinsuranceproducerrequireseachemployeeandauthorized
199198 186representativeofthetravelretailerwhosedutiesincludeofferinganddisseminatingtravel
200199 187insurancetoreceiveaprogramofinstructionortraining,whichmaybesubjecttoreviewby
201200 188thedirector.Thetrainingmaterialshall,ataminimum,containinstructionsonthetypesof
202201 189insuranceoffered,ethicalsalespractices,andrequireddisclosurestoprospectivecustomers;
203202 190 [(2)](3)Anytravelretailerofferingordisseminatingtravelinsuranceshallmake
204203 191availabletoprospectivepurchasersbrochuresorotherwrittenmaterialsthathavebeen
205204 192approvedbythetravelinsurer.Suchmaterialsshallincludeinformationthat,ata
206205 193minimum,shall:
207206 194 (a)Providetheidentityandcontactinformationoftheinsurerandthelimitedlines
208207 195travelinsuranceproducer;
209208 196 (b)Explainthatthepurchaseoftravelinsuranceisnotrequiredtopurchaseanyother
210209 197productorservicefromthetravelretailer;and
211-HB2566 6 198 (c)Explainthatanunlicensedtravelretailerispermittedtoprovidegeneral
210+198 (c)Explainthatanunlicensedtravelretailerispermittedtoprovidegeneral
212211 199informationabouttheinsuranceofferedbythetravelretailer,includingadescriptionofthe
213212 200coverageandprice,butisnotqualifiedorauthorizedtoanswertechnicalquestionsaboutthe
214213 201termsandconditionsoftheinsuranceofferedbythetravelretailerortoevaluatetheadequacy
215214 202ofthecustomer'sexistinginsurancecoverage;
216-203 [(3)](4)Atravelretailer'semployeeorauthorizedrepresentative,whoisnotlicensed
215+HB2566 6 203 [(3)](4)Atravelretailer'semployeeorauthorizedrepresentative,whoisnotlicensed
217216 204asaninsuranceproducer,maynot:
218217 205 (a)Evaluateorinterpretthetechnicalterms,benefits,andconditionsoftheoffered
219218 206travelinsurancecoverage;
220219 207 (b)Evaluateorprovideadviceconcerningaprospectivepurchaser'sexisting
221220 208insurancecoverage;or
222221 209 (c)Holdthemselvesoritselfoutasalicensedinsurer,licensedproducer,orinsurance
223222 210expert[.];
224223 211 [3.Notwithstandinganyotherprovisionoflaw,](5)Atravelretailerwhose
225224 212insurance-relatedactivities,andthoseofitsemployeesandauthorizedrepresentatives,are
226225 213limitedtoofferinganddisseminatingtravelinsuranceonbehalfofandunderthedirectionof
227226 214alimitedlinestravelinsuranceproducermeetingtheconditionsstatedinthissectionis
228227 215authorizedtodosoandreceiverelatedcompensation,uponregistrationbythelimitedlines
229228 216travelinsuranceproducerasdescribedinparagraph(b)ofsubdivision[(1)](2)ofthis
230229 217subsection[2ofthissection.];
231230 218 [4.](6)Travelinsurancemaybeprovidedunderanindividualpolicyorunderagroup
232231 219or[master] blanketpolicy[.];
233232 220 [5.](7)Astheinsurerdesignee,thelimitedlinestravelinsuranceproduceris
234233 221responsiblefortheactsofthetravelretailerandshallusereasonablemeanstoensure
235234 222compliancebythetravelretailerwiththissection; and
236235 223 (8)Anypersonlicensedinamajorlineofauthorityasaninsuranceproduceris
237236 224authorizedtosell,solicit,andnegotiatetravelinsurance.Apropertyandcasualty
238237 225insuranceproducerisnotrequiredtobecomeappointedbyaninsurerinordertosell,
239238 226solicit,ornegotiatetravelinsurance.
240239 227 [6.]4.(1)Atravelinsurershallpaypremiumtax,asprovidedinsection148.370,
241240 228ontravelinsurancepremiumspaidbyanyofthefollowing:
242241 229 (a)Anindividualprimarypolicyholderwhoisaresidentofthisstate;
243242 230 (b)Aprimarycertificateholderwhoisaresidentofthisstatewhoelects
244243 231coverageunderagrouptravelinsurancepolicy;or
245244 232 (c)Ablankettravelinsurancepolicyholderthatisaresidentinthisstateorhas
246245 233itsprincipalplaceofbusinessortheprincipalplaceofbusinessofanaffiliateor
247246 234subsidiarythathaspurchasedblankettravelinsuranceinthisstateforeligibleblanket
248-HB2566 7 235groupmembers,subjecttoanyapportionmentrulesthatapplytotheinsureracross
247+235groupmembers,subjecttoanyapportionmentrulesthatapplytotheinsureracross
249248 236multipletaxingjurisdictionsorthatpermittheinsurertoallocatepremiumonan
250249 237apportionedbasisinareasonableandequitablemannerinthosejurisdictions.
251250 238 (2)Atravelinsurershall:
252-239 (a)Documentthestateofresidenceorprincipalplaceofbusinessofthe
251+HB2566 7 239 (a)Documentthestateofresidenceorprincipalplaceofbusinessofthe
253252 240policyholderorcertificateholder,asrequiredinsubdivision(1)ofthissubsection;and
254253 241 (b)Reportaspremiumonlytheamountallocabletotravelinsuranceandnot
255254 242anyamountsreceivedfortravelassistanceservicesorcancellationfeewaivers.
256255 243 5.Travelprotectionplansmaybeofferedforonepriceforthecombinedfeatures
257256 244thatthetravelprotectionplanoffersinthisstateif:
258257 245 (1)Thetravelprotectionplanclearlydisclosestotheconsumer,atorpriortothe
259258 246timeofpurchase,thatitincludestravelinsurance,travelassistanceservices,and
260259 247cancellationfeewaiversasapplicableandprovidesinformationandanopportunity,at
261260 248orpriortothetimeofpurchase,fortheconsumertoobtainadditionalinformation
262261 249regardingthefeaturesandpricingofeach;
263262 250 (2)Thefulfillmentmaterialsdescribeanddelineatethetravelinsurance,travel
264263 251assistanceservices,andcancellationfeewaiversinthetravelprotectionplan;and
265264 252 (3)Thefulfillmentmaterialsincludethetravelinsurancedisclosuresandthe
266265 253contactinformationforpersonsprovidingtravelassistanceservicesandcancellationfee
267266 254waivers,asapplicable.
268267 255 6.(1)Exceptasotherwiseprovidedinthissection,allpersonsofferingtravel
269268 256insurancetoresidentsofthisstatearesubjecttosections375.930to375.948.Ifthereisa
270269 257conflictbetweenthissectionandotherprovisionsofchapters361to385regardingthe
271270 258saleandmarketingoftravelinsuranceandtravelprotectionplans,theprovisionsofthis
272271 259sectionshallcontrol.
273272 260 (2)Offeringorsellingatravelinsurancepolicythatcouldneverresultin
274273 261paymentofanyclaimsforanyinsuredunderthepolicyisanunfairtradepracticeunder
275274 262sections375.930to375.948.
276275 263 (3)(a)Alldocumentsprovidedtoconsumerspriortothepurchaseoftravel
277276 264insurance,including,butnotlimitedto,salesmaterials,advertisingmaterials,and
278277 265marketingmaterials,shallbeconsistentwiththetravelinsurancepolicyitselfincluding,
279278 266butnotlimitedto,forms,endorsements,policies,ratefilings,andcertificatesof
280279 267insurance.
281280 268 (b)Fortravelinsurancepoliciesorcertificatesthatcontainpreexistingcondition
282281 269exclusions,informationandanopportunitytolearnmoreaboutthepreexisting
283282 270conditionexclusionsshallbeprovidedanytimepriortothetimeofpurchaseandinthe
284283 271coverage'sfulfillmentmaterials.
285-HB2566 8 272 (c)Thefulfillmentmaterialsandtheinformationdescribedinparagraph(a)of
284+272 (c)Thefulfillmentmaterialsandtheinformationdescribedinparagraph(a)of
286285 273subdivision(2)ofsubsection3ofthissectionshallbeprovidedtoapolicyholderor
287286 274certificateholderassoonaspracticablefollowingthepurchaseofatravelprotection
288287 275plan.Unlesstheinsuredhaseitherstartedacoveredtriporfiledaclaimunderthe
289-276travelinsurancecoverage,apolicyholderorcertificateholdermaycancelapolicyor
288+HB2566 8 276travelinsurancecoverage,apolicyholderorcertificateholdermaycancelapolicyor
290289 277certificateforafullrefundofthetravelprotectionplanpricefromthedateofpurchase
291290 278ofatravelprotectionplanuntilatleast:
292291 279 a.Fifteendaysfollowingthedateofdeliveryofthetravelprotectionplan's
293292 280fulfillmentmaterialsbypostalmail;or
294293 281 b.Tendaysfollowingthedateofdeliveryofthetravelprotectionplan's
295294 282fulfillmentmaterialsbymeansotherthanpostalmail.
296295 283
297296 284Forpurposesofthisparagraph,deliverymeanshandingfulfillmentmaterialstothe
298297 285policyholderorcertificateholderorsendingfulfillmentmaterialsbypostalmailor
299298 286electronicmeanstothepolicyholderorcertificateholder.
300299 287 (d)Thecompanyshalldiscloseinthepolicydocumentationandfulfillment
301300 288materialswhetherthetravelinsuranceisprimaryorsecondarytootherapplicable
302301 289coverage.
303302 290 (e)Marketingtravelinsurancedirectlytoaconsumerthroughaninsurer's
304303 291websiteorbyothersthroughanaggregatorsiteshallnotbeanunfairtradepracticeor
305304 292otherviolationoflawifanaccuratesummaryorshortdescriptionofcoverageis
306305 293providedonthewebpageandtheconsumerhasaccesstothefullprovisionsofthepolicy
307306 294throughelectronicmeans.
308307 295 (4)Nopersonoffering,soliciting,ornegotiatingtravelinsuranceortravel
309308 296protectionplansonanindividualorgroupbasisshalldosobyusingnegativeoptionor
310309 297opt-outthatwouldrequireaconsumertotakeanaffirmativeactiontodeselect
311310 298coverage,suchasuncheckingaboxonanelectronicform,whentheconsumer
312311 299purchasesatrip.
313312 300 (5)Itshallbeanunfairtradepracticetomarketblankettravelinsurance
314313 301coverageasfree.
315314 302 (6)Whereaconsumer'sdestinationjurisdictionrequiresinsurancecoverage,it
316315 303shallnotbeanunfairtradepracticetorequirethataconsumerchoosebetweenthe
317316 304followingoptionsasaconditionofpurchasingatriportravelpackage:
318317 305 (a)Purchasingthecoveragerequiredbythedestinationjurisdictionthroughthe
319318 306travelretailerorlimitedlinestravelinsuranceproducersupplyingthetriportravel
320319 307package;or
321-HB2566 9 308 (b)Agreeingtoobtainandprovideproofofcoveragethatmeetsthedestination
320+308 (b)Agreeingtoobtainandprovideproofofcoveragethatmeetsthedestination
322321 309jurisdiction'srequirementspriortodeparture.
323322 310 7.(1)Notwithstandinganyotherprovisionsofchapters361to385,noperson
324323 311shallactorrepresenthimselforherselfasatraveladministratorfortravelinsurancein
325324 312thisstateunlesstheperson:
326-313 (a)Isalicensedpropertyandcasualtyinsuranceproducerinthisstatefor
325+HB2566 9 313 (a)Isalicensedpropertyandcasualtyinsuranceproducerinthisstatefor
327326 314activitiespermittedunderthatproducerlicense;
328327 315 (b)Holdsavalidmanaginggeneralagentlicenseinthisstate;or
329328 316 (c)Holdsavalidthird-partyadministratorlicenseinthisstate.
330329 317 (2)Aninsurerisresponsiblefortheactsofatraveladministratoradministering
331330 318travelinsuranceunderwrittenbytheinsurerandisresponsibleforensuringthatthe
332331 319traveladministratormaintainsallbooksandrecordsrelevanttotheinsurertobemade
333332 320availablebythetraveladministratortothedirectoruponrequest.
334333 321 8.(1)Notwithstandinganyotherprovisionofchapters361to385,travel
335334 322insuranceshallbeclassifiedandfiledforpurposesofratesandformsunderaninland
336335 323marinelineofinsurance,exceptthattravelinsurancethatprovidescoveragefor
337336 324sickness,accident,disability,ordeathoccurringduringtraveleitherexclusivelyorin
338337 325conjunctionwithrelatedcoveragesofemergencyevacuationorrepatriationofremains
339338 326orincidentallimitedpropertyandcasualtybenefitssuchasbaggageortripcancellation
340339 327maybefiledundereitheranaccidentandhealthlineofinsuranceoraninlandmarine
341340 328lineofinsurance.
342341 329 (2)Eligibilityandunderwritingstandardsfortravelinsurancemaybe
343342 330developedandprovidedbasedontravelprotectionplansdesignedforindividualor
344343 331identifiedmarketingordistributionchannels,providedthosestandardsalsomeetthe
345344 332state'sunderwritingstandardsforaninlandmarinelineofinsurance.
346345 333 9.Thelimitedlinestravelinsuranceproducerandanytravelretailerofferingand
347346 334disseminatingtravelinsuranceunderthelimitedlinestravelinsuranceproducerlicenseshall
348347 335besubjecttotheprovisionsofchapters374and375,exceptasprovidedforinthissection.
349348 336 [7.]10.Thedirectormaypromulgaterulestoeffectuatethissection.Anyruleor
350349 337portionofarule,asthattermisdefinedinsection536.010,thatiscreatedundertheauthority
351350 338delegatedinthissectionshallbecomeeffectiveonlyifitcomplieswithandissubjecttoallof
352351 339theprovisionsofchapter536and,ifapplicable,section536.028.Thissectionandchapter
353352 340536arenonseverableandifanyofthepowersvestedwiththegeneralassemblypursuantto
354353 341chapter536toreview,todelaytheeffectivedate,ortodisapproveandannularuleare
355354 342subsequentlyheldunconstitutional,thenthegrantofrulemakingauthorityandanyrule
356355 343proposedoradoptedafterAugust28,2013,shallbeinvalidandvoid.
357356 âś”
358357 HB2566 10