N.Y. Insurance Law Section 4330
Discrimination because of sex or marital status in hospital, surgical or medical expense insurance

(a)

With regard to a contract issued by a corporation subject to the provisions of this article that provides hospital, surgical, or medical expense coverage or a contract of student accident and health insurance, as defined in subsection (a) of § 3240 (Unclaimed benefits)section three thousand two hundred forty of this chapter, no corporation shall because of sex, marital status or based on pregnancy, false pregnancy, termination of pregnancy, or recovery therefrom, childbirth or related medical conditions:

(1)

make any distinction or discrimination between persons as to the premiums or rates charged for the contract or in any other manner whatever;

(2)

demand or require a greater premium from any person than it requires at that time from others in similar cases;

(3)

make or require any rebate, discrimination or discount upon the amount to be paid or the service to be rendered on any contract;

(4)

insert in the contract any condition, or make any stipulation, whereby the insured binds his or herself, or his or her heirs, executors, administrators or assigns, to accept any sum or service less than the full value or amount of such contract in case of a claim thereon except such conditions and stipulations as are imposed upon others in similar cases; and any such stipulation or condition so made or inserted shall be void;

(5)

reject any application for a contract issued or sold by it;

(6)

cancel or refuse to issue, renew or sell such contract after appropriate application therefor;

(7)

fix any lower rate or discriminate in the fees or commissions of insurance agents or insurance brokers for writing or renewing such a contract; or

(8)

engage in sexual stereotyping.

(b)

For purposes of this section, “sex” shall include sexual orientation, gender identity or expression, and transgender status.

Source: Section 4330 — Discrimination because of sex or marital status in hospital, surgical or medical expense insurance, https://www.­nysenate.­gov/legislation/laws/ISC/4330 (updated Jan. 10, 2020; accessed Oct. 26, 2024).

4301
Organization of corporation 4302
Permit and license to do business 4303
Benefits 4303‑A
Prescription synchronization 4304
Individual contracts 4305
Group contracts 4306
Required contract provisions 4306‑A
Health insurance coverage for full-time students on medical leaves of absence 4306‑B
Primary and preventive obstetric and gynecologic care 4306‑C
Grievance procedure and access to specialty care 4306‑D
Choice of health care provider 4306‑E
Prohibition on lifetime and annual limits 4306‑F
Maternal depression screenings 4306‑G
Telehealth delivery of services 4306‑H
Essential health benefits package and limit on cost-sharing 4306‑I
Coverage for medically fragile children 4307
Providers of services 4308
Supervision of superintendent 4309
Limitation on expenses 4310
Investments 4312
Employment of solicitors 4313
Applicability of other provisions of this chapter 4314
Not to affect provisions of workers’ compensation law 4315
Arbitration 4316
Individual contracts 4317
Rating of individual and small group health insurance contracts 4318
Pre-existing condition provisions 4318‑A
Certification of creditable coverage by corporations organized under this article 4320
Limitations on administrative services and stop-loss coverage 4321
Standardization of individual enrollee direct payment contracts offered by health maintenance organizations prior to October first, two t... 4321‑A
Fund for standardized individual enrollee direct payment contracts 4322
Standardization of individual enrollee direct payment contracts offered by health maintenance organizations which provide out-of-plan ben... 4322‑A
Fund for standardized individual enrollee direct payment contracts which provide out-of-plan benefits 4323
Marketing materials 4324
Disclosure of information 4325
Prohibitions 4326
Standardized health insurance contracts for qualifying small employers and individuals 4327
Stop loss funds for standardized health insurance contracts issued to qualifying small employers and qualifying individuals 4328
Individual enrollee direct payment contracts offered by health maintenance organization on and after October first, two thousand thirteen 4329
Prescription drug coverage 4330
Discrimination because of sex or marital status in hospital, surgical or medical expense insurance
Green check means up to date. Up to date

Accessed:
Oct. 26, 2024

Last modified:
Jan. 10, 2020

§ 4330’s source at nysenate​.gov

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