EVELYN GANDY
COMMISSIONER

WOOLEY D. BOX
DEPUTY COMMISSIONER

    WHEREAS, Section 5687-03(G), provides that the Commissioner of Insurance may make reasonable rules and regulations concerning the procedure for the filing or submission of individual health and accident policies; and

    WHEREAS, there seems to have been some misunderstanding in the past as to the requirements of such filings;

    IT IS, THEREFORE, ORDERED this date that every insurance company, either foreign or domestic, authorized to do health and accident business in the Sta-te of Mississippi shall, before any policy is issued, file a copy of such policy, accompanied by a rate book or a rate sheet applicable to such policy. In case of any change, including a change of premium rate on any health and accident policy, such rate shall be filed with the Department of Insurance, together with information indicating`to what policy same is applicable, the date such change in premium rate will be applicable, and all other information relevant to such change in rate. No premium or rate of premium shall be changed by any company, applicable to any health and accident policy until such change has been made in the manner herein provided and acknowiedgment of such filing made by the Department of Insurance.

    No insurance company shall ever, under any circumstances, attempt to place any change of rate or any other change in a policy form into effect except after such change has been filed in this office and acknowledged, and where required by law, approved. In particular, any notice to an insured that a change in policy is being made, either a rate or other change, is prohibited except after filing of such changc, acknowledgement thereof, and where required by law, approval. Any change as to a policy already issued may be effected only by endorsement attached to and made a part of such poiicy.

    Every policy or other filing provided for under these rules shall be accompanied by a cover letter in duplicate, setting out the number and a brief description of such form.

    All policy filings must comply with all provisions of the law of this State applicable thereto and this and all other rules of this office pertaining thereto. Nothing herein shall be interpreted as rescinding any other rule and regulation, but these rules are to be interpreted as cumulative to the requirements of any other rules pertaining to the subject matter hereof.

    SO ORDERED this the 28th day of August, 1973.
 

EVELYN GANDY
COMMISSIONER OF INSURANCE
STATE OF MISSISSIPPI