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Current as of January 01, 2025 | Updated by Findlaw Staff
(a) Subject to subsection (b) of this section, a policy of life insurance may not contain:
(1) a provision that the insurer may reduce or deny liability under the policy because the insured has previously obtained other insurance from the same insurer;
(2) a provision that gives the insurer the right to declare the policy void because the insured has had a disease or ailment, whether specified or not, or has received institutional, hospital, medical, or surgical treatment or attention; or
(3) a provision that gives the insurer the right to declare the policy void because the insured has been rejected for insurance, unless the right is conditioned on a showing by the insurer that knowledge of the rejection would have led to a refusal by the insurer to issue the policy.
(b) Subsection (a)(2) of this section does not prohibit a policy provision that gives the insurer the right to declare the policy void if:
(1) the insured has received institutional, hospital, medical, or surgical treatment or attention within 2 years before the policy was issued; and
(2) the insured or a claimant under the policy fails to show that the condition occasioning the treatment or attention was not serious or was not material to the risk.
Cite this article: FindLaw.com - Maryland Code, Insurance § 16-216 - last updated January 01, 2025 | https://codes.findlaw.com/md/insurance/md-code-insurance-sect-16-216/
FindLaw Codes may not reflect the most recent version of the law in your jurisdiction. Please verify the status of the code you are researching with the state legislature before relying on it for your legal needs.
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