| (a) In order to increase policyholder understanding
of individual accident and sickness policies, insurers are encouraged
to draft individual accident and sickness policies in a readable manner.
In order not to devalue the policy as a legal document the utmost
care and caution must be used in its preparation. Insurance Code Chapter
1201, Subchapter E, requires the use of certain policy provisions
in particular language or provisions not less favorable to the insured
or beneficiary than those set forth in said subchapter. The same is
true with respect to optional policy provisions as provided in Insurance
Code §§1201.219 - 1201.226. Notwithstanding these requirements
of law, insurers are urged to experiment with new language in these
areas.
(b) Insurers are encouraged to follow the principles
set forth in §3.3101 of this title (relating to Organization
of Policy Format for Readability) and §3.3102 of this title (relating
to Language Readability) when preparing individual accident and sickness
policies.
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