93RD GENERAL ASSEMBLY
State of Illinois
2003 and 2004
SB2241


 
Introduced 1/15/2004, by Emil Jones Jr.
 
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.



















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A BILL FOR









 














SB2241

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    AN ACT concerning insurance. 

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


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


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

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    Sec. 356c. Insurability of newborns.


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    (1) No policy of accident and health insurance providing

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

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


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


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


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

 


 









SB2241
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Such coverage shall be contingent upon payment of the 
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additional premium.


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


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