93RD GENERAL ASSEMBLY
State of Illinois
2003 and 2004
HB4951


 
Introduced 02/05/04, by Karen May
 
SYNOPSIS AS INTRODUCED:
 		













215 ILCS 5/356c
  from Ch. 73, par. 968c







    Amends the Illinois Insurance Code.  Adds a caption to a Section concerning the
insurability of newborns.
















LRB093 16514 SAS 42157 b

















 


 


A BILL FOR









 











HB4951

LRB093 16514 SAS 42157 b






1
    AN ACT concerning insurance. 

 
2
    Be it enacted by the People of the State of Illinois, 
3
represented in the General Assembly: 


 
4
    Section 5. The Illinois Insurance Code is amended by 
5
changing
Section 356c as follows:


 
6
    (215 ILCS 5/356c)  (from Ch. 73, par. 968c)

7
    Sec. 356c. Insurability of newborns.


8
    (1) No policy of accident and health insurance providing

9
coverage of hospital expenses or medical expenses or
both on an 
10
expense incurred basis which in addition to covering the

11
insured, also covers members of the insured's immediate family, 
12
shall
contain any disclaimer, waiver or other limitation of 
13
coverage relative to
the hospital or medical
coverage or 
14
insurability of newborn  infants from and after
the moment of 
15
birth.


16
    (2) Each such policy of accident and health insurance shall 
17
contain
a provision stating that the accident and health 
18
insurance benefits
applicable for children shall be granted 
19
immediately with respect to a
newly born child from the moment 
20
of birth.  The coverage for newly born
children shall include 
21
coverage of illness, injury, congenital defects,
birth 
22
abnormalities and premature birth.


23
    (3) If payment of a specific premium is required to provide 
24
coverage
for a child, the policy may require that notification 
25
of birth of a
newly born child must be furnished to the insurer 
26
within 31 days after
the date of birth in order to have the 
27
coverage continue beyond such 31
day period and may require 
28
payment of the appropriate premium.


29
    (4) In the event that no other members of the insured's 
30
immediate
family are covered, immediate coverage for the first 
31
newborn infant shall
be provided if the insured applies for 
32
dependent's coverage
within 31 days of the newborn's birth.

 


 






HB4951
- 2 -
LRB093 16514 SAS 42157 b




1
Such coverage shall be contingent upon payment of the 
2
additional premium.


3
    (5) The requirements of this Section shall apply, on or 
4
after the
sixtieth day following the effective date of this 
5
Section, (a) to all
such non-group policies delivered or issued 
6
for delivery, and (b) to all
such group policies delivered, 
7
issued for  delivery, renewed or amended.
The insurers of such 
8
non-group policies in effect on the sixtieth day
following the 
9
effective date of this Section shall extend to owners of
said 
10
policies, on or before the first policy anniversary following 
11
such
date, the opportunity to apply for the addition to their 
12
policies of a
provision as set forth in paragraph (2) above, 
13
with, at the option of
the insurer, payment of a premium 
14
appropriate thereto.


15
(Source: P.A. 85-220.)