State RegulationsIL specificDifficulty 2/5
Under the Illinois minimum-standards regulation, a provision in an individual accident and health policy is prohibited when the provision is:
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
50 Ill. Adm. Code 2007 prohibits policy provisions that may be unjust, unfair, misleading, or deceptive, or that may encourage misrepresentation. This is the prohibited-provisions function of the regulation: an individual A&H form is judged not only on whether its benefits meet the minimums but on whether its provisions are fair and honest. Provisions that exceed the minimums, use plain language, or simply restate what the Illinois Insurance Code already requires are all consistent with the regulation.
Why the other options are wrong
- A) Provisions more generous than the minimum standards are permissible; 50 Ill. Adm. Code 2007 sets floors, not ceilings.
- C) Plain language is a virtue, not a violation; nothing in 50 Ill. Adm. Code 2007 prohibits clear drafting.
- D) A provision identical to one the Illinois Insurance Code requires is compliant, not prohibited.
Memory hook
Fair, clear, and Code-compliant passes; unfair and misleading fails.