West Virginia Code Chapter 33. Insurance § 33-28-3. Definition of terms used in article

(a) “Form” means a policy, contract, rider, endorsement or application as provided in section eight, article six of this chapter when used to describe an individual accident and sickness policy form, and means a contract, application, rider or endorsement as provided in section six, article twenty-four of this chapter when used to describe a hospital or medical service corporation subscriber's contract.

(b) “Accident and sickness insurance” means insurance written under article fifteen of this chapter, other than credit accident and sickness insurance, and coverages written under article twenty-four of this chapter. For purposes of this article, hospital, medical and dental service corporations shall be deemed to be engaged in the business of insurance.

(c) “Policy” means the entire contract between an insurer and an individual insured, including the policy, riders, endorsements and the application, if attached. The term “policy” shall not include coverages issued pursuant to a conversion privilege under a policy or contract of group insurance.

(d) “Subscriber contract” means the entire subscriber contract issued by a hospital, medical or dental service corporation to an individual subscriber, including the contract, riders, endorsements and the application, if attached. The term “subscriber contract” shall not include coverages issued pursuant to a conversion privilege under a policy or contract of group insurance.

(e) “Direct response insurance product” means an individual policy of accident and sickness insurance or a subscriber contract of a hospital, medical or dental service corporation, the sale of which is effected through direct contact between an insurer and an individual insured or between a hospital, medical or dental service corporation and a subscriber, without employing the intermediary services of an agent, broker or solicitor.