Bill > H1088

This bill aims to promote greater fairness in insurance by prohibiting insurance policies from containing provisions that give insurers or their agents the discretionary authority to determine eligibility for benefits or interpret the terms of the policy. The bill requires the Commissioner of Insurance to not approve any health, life, or disability policy that includes such discretionary authority clauses, as they could lead to a deferential standard of review by courts. The bill also prohibits policies from containing inconsistent, ambiguous, or misleading clauses, exceptions, or conditions that could affect the risk coverage. The bill is designed to ensure that insurance policies in Massachusetts are aligned with state laws and provide clear, fair, and enforceable terms for consumers.

Business and Industry

https://malegislature.gov/Bills/193/H1088