§ 26.1-36-03 — Form of policy

1. No accident and health insurance policy may be delivered or issued for delivery to any
person in this state unless:
a. The entire money and other considerations for the policy are expressed in the
policy.
b. The time at which the insurance takes effect and terminates is expressed in the
policy.
c. The policy purports to insure only one person, except that a policy may insure,
originally or by subsequent amendment, upon the application of an adult member
of a family who is deemed the policyholder, any two or more eligible members of
that family, including spouse, dependent children or any children under a
specified age which may not exceed twenty-two years, and any other person
dependent upon the policyholder.
d. The style, arrangement, and overall appearance of the policy give no undue
prominence to any portion of the text, and unless every printed portion of the text
of the policy and of any endorsements or attached papers is plainly printed in
lightfaced type of a style in general use, the size of which is uniform and not less
than ten point with a lowercase unspaced alphabet length not less than one
hundred twenty point. The "text" must include all printed matter except the name
and address of the insurer, name or title of the policy, the brief description, if any,
and captions and subcaptions.
e. The exceptions and reductions of indemnity are set forth in the policy and, except
those which are set forth in section 26.1-36-04, are printed at the insurer's option,

either included with the benefit provisions to which they apply, or under an
appropriate caption such as "EXCEPTIONS" or "EXCEPTIONS AND
REDUCTIONS". If an exception or reduction specifically applies only to a
particular benefit of the policy, a statement of the exception or reduction must be
included with the benefit provision to which it applies.
f. Each form, including riders and endorsements, must be identified by a form
number in the lower left-hand corner of the first page thereof.
g. It contains no provision purporting to make any portion of the charter, rules,
constitution, or bylaws of the insurer a part of the policy unless the portion is set
forth in full in the policy, except in the case of the incorporation of, or reference to,
a statement of rates or classification of risks, or short-rate table filed with the
commissioner.
2. If any policy is issued by an insurer domiciled in this state for delivery to a person
residing in another state, and if the insurance department of that state has advised the
commissioner that the policy is not subject to approval or disapproval by that official,
the commissioner may by ruling require that the policy meet the standards set forth in
subsection 1 and in section 26.1-36-04.