State RegulationsCO specificDifficulty 2/5
A Colorado sickness and accident policy contains an exclusion for a benefit that Colorado law requires policies to cover. What is the status of that exclusion?
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Colorado mandated benefits — those required by C.R.S. § 10-16-104 and by Division of Insurance regulations such as Reg. 4-2-28 and Reg. 4-2-30 — must be provided regardless of contrary policy language. An exclusion that strips a statutorily mandated benefit is unenforceable, and the insurer must provide the coverage the law requires.
Why the other options are wrong
- A) Policy language cannot override a Colorado statutory mandate.
- B) An insured's signed waiver cannot nullify a mandated benefit.
- D) Enforcement does not depend on individual Division notification; the mandate applies by law.
Memory hook
A mandate beats a policy exclusion every time.