{"formats":[{"name":"JSON","format":"json","url":"\/downloads\/2025\/code-json\/38.2-3500.json"},{"name":"Plain Text","format":"text","url":"\/downloads\/2025\/code-text\/38.2-3500.txt"},{"name":"XML","format":"xml","url":"\/downloads\/2025\/code-xml\/38.2-3500.xml"},{"name":"HTML","format":"html","url":"\/downloads\/2025\/code-html\/38.2-3500.html"}],"law_id":81706,"edition_id":1,"section_id":81706,"structure_id":13349,"section_number":"38.2-3500","catch_line":"Form of policy","history":"1952, c. 317, \u00a7 38.1-348; 1986, cc. 550, 562; 1993, c. 306; 1994, c. 316; 2011, c. 882.","full_text":"A\n\nNo individual accident and sickness insurance policy shall be delivered or issued for delivery to any person in this Commonwealth unless:1\n\nThe entire consideration for the policy is expressed in the policy;2\n\nThe time at which the insurance takes effect and terminates is expressed in the policy;3\n\nThe policy insures only one person, except that it may insure eligible family members, originally or by subsequent amendment, upon the application of an adult member of a family who shall be deemed the policyowner;4\n\nThe exceptions and reductions are set forth in the policy and, except those that are set forth in §§ 38.2-3503 through 38.2-3508, are printed with the benefit provisions to which they apply, or under an appropriate caption, but if an exception or reduction specifically applies only to a particular benefit of the policy, a statement of the exception or reduction shall be included with that benefit provision;5\n\nEach form, including riders and endorsements, is identified by a form number in the lower left-hand corner of the first page of the form;6\n\nIt contains no provision making any portion of the charter, rules, constitution, or bylaws of the insurer a part of the policy unless that portion is set forth in the policy, except in the case of the incorporation of, or reference to, a statement of rates or classification of risks, or short-rate table filed with the Commission; and7\n\nIt contains a statement about the provisions of subsections A and B of § 32.1-325.2 regarding the status of the Department of Medical Assistance Services as the payor of last resort.B\n\nIf any policy is issued by an insurer domiciled in this Commonwealth for delivery to a person residing in another state, and if the insurance supervisory official of the other state advises the Commission that any such policy is not subject to approval or disapproval by such official, the Commission may by ruling require that such policy meet the standards set forth in this chapter.C\n\n“Eligible family member” means the (i) spouse, (ii) dependent children, without regard to whether such children reside in the same household as the policyowner, (iii) children under a specified age not greater than 19 years, and (iv) any person dependent on the policyowner.D\n\nThe provisions of this section shall not apply in any instance in which the provisions of this section are inconsistent or in conflict with a provision of Article 6 (§ 38.2-3438 et seq.) of Chapter 34.","order_by":null,"text":{"0":{"id":292695,"text":"No individual accident and sickness insurance policy shall be delivered or issued for delivery to any person in this Commonwealth unless:","type":"section","prefixes":["A"],"prefix":"A","entire_prefix":"A","prefix_anchor":"A","level":1,"next_prefix":"A1"},"1":{"id":292696,"text":"The entire consideration for the policy is expressed in the policy;","type":"section","prefixes":["A","1"],"prefix":"1","entire_prefix":"A1","prefix_anchor":"A1","level":2,"prior_prefix":"A","next_prefix":"A2"},"2":{"id":292697,"text":"The time at which the insurance takes effect and terminates is expressed in the policy;","type":"section","prefixes":["A","2"],"prefix":"2","entire_prefix":"A2","prefix_anchor":"A2","level":2,"prior_prefix":"A1","next_prefix":"A3"},"3":{"id":292698,"text":"The policy insures only one person, except that it may insure eligible family members, originally or by subsequent amendment, upon the application of an adult member of a family who shall be deemed the policyowner;","type":"section","prefixes":["A","3"],"prefix":"3","entire_prefix":"A3","prefix_anchor":"A3","level":2,"prior_prefix":"A2","next_prefix":"A4"},"4":{"id":292699,"text":"The exceptions and reductions are set forth in the policy and, except those that are set forth in §§ 38.2-3503 through 38.2-3508, are printed with the benefit provisions to which they apply, or under an appropriate caption, but if an exception or reduction specifically applies only to a particular benefit of the policy, a statement of the exception or reduction shall be included with that benefit provision;","type":"section","prefixes":["A","4"],"prefix":"4","entire_prefix":"A4","prefix_anchor":"A4","level":2,"prior_prefix":"A3","next_prefix":"A5"},"5":{"id":292700,"text":"Each form, including riders and endorsements, is identified by a form number in the lower left-hand corner of the first page of the form;","type":"section","prefixes":["A","5"],"prefix":"5","entire_prefix":"A5","prefix_anchor":"A5","level":2,"prior_prefix":"A4","next_prefix":"A6"},"6":{"id":292701,"text":"It contains no provision making any portion of the charter, rules, constitution, or bylaws of the insurer a part of the policy unless that portion is set forth in the policy, except in the case of the incorporation of, or reference to, a statement of rates or classification of risks, or short-rate table filed with the Commission; and","type":"section","prefixes":["A","6"],"prefix":"6","entire_prefix":"A6","prefix_anchor":"A6","level":2,"prior_prefix":"A5","next_prefix":"A7"},"7":{"id":292702,"text":"It contains a statement about the provisions of subsections A and B of § 32.1-325.2 regarding the status of the Department of Medical Assistance Services as the payor of last resort.","type":"section","prefixes":["A","7"],"prefix":"7","entire_prefix":"A7","prefix_anchor":"A7","level":2,"prior_prefix":"A6","next_prefix":"B"},"8":{"id":292703,"text":"If any policy is issued by an insurer domiciled in this Commonwealth for delivery to a person residing in another state, and if the insurance supervisory official of the other state advises the Commission that any such policy is not subject to approval or disapproval by such official, the Commission may by ruling require that such policy meet the standards set forth in this chapter.","type":"section","prefixes":["B"],"prefix":"B","entire_prefix":"B","prefix_anchor":"B","level":1,"prior_prefix":"A7","next_prefix":"C"},"9":{"id":292704,"text":"“Eligible family member” means the (i) spouse, (ii) dependent children, without regard to whether such children reside in the same household as the policyowner, (iii) children under a specified age not greater than 19 years, and (iv) any person dependent on the policyowner.","type":"section","prefixes":["C"],"prefix":"C","entire_prefix":"C","prefix_anchor":"C","level":1,"prior_prefix":"B","next_prefix":"D"},"10":{"id":292705,"text":"The provisions of this section shall not apply in any instance in which the provisions of this section are inconsistent or in conflict with a provision of Article 6 (§ 38.2-3438 et seq.) of Chapter 34.","type":"section","prefixes":["D"],"prefix":"D","entire_prefix":"D","prefix_anchor":"D","level":1,"prior_prefix":"C"}},"ancestry":[{"id":13349,"edition_id":1,"name":"Individual Accident and Sickness Insurance Policies","identifier":"1","label":"article","depth":3,"order_by":1,"parent_id":13348,"metadata":{},"date_created":"2026-06-26 03:44:41","date_modified":"2026-06-26 03:44:41","permalink":{"id":215643,"object_type":"structure","relational_id":13349,"identifier":"1","token":"38.2\/35\/1","url":"\/38.2\/35\/1\/","edition_id":1,"permalink":0,"preferred":1}},{"id":13348,"edition_id":1,"name":"Accident and Sickness Insurance Policies","identifier":"35","label":"chapter","depth":2,"order_by":1,"parent_id":12698,"metadata":{},"date_created":"2026-06-26 03:44:41","date_modified":"2026-06-26 03:44:41","permalink":{"id":215641,"object_type":"structure","relational_id":13348,"identifier":"35","token":"38.2\/35","url":"\/38.2\/35\/","edition_id":1,"permalink":0,"preferred":1}},{"id":12698,"edition_id":1,"name":"Insurance","identifier":"38.2","label":"title","depth":1,"order_by":1,"parent_id":null,"metadata":{},"date_created":"2026-06-26 03:43:49","date_modified":"2026-06-26 03:43:49","permalink":{"id":210661,"object_type":"structure","relational_id":12698,"identifier":"38.2","token":"38.2","url":"\/38.2\/","edition_id":1,"permalink":0,"preferred":1}}],"structure_contents":[{"id":81706,"structure_id":13349,"section_number":"38.2-3500","catch_line":"Form of policy","url":"\/38.2-3500\/","token":"38.2\/35\/1\/38.2-3500","metadata":false},{"id":54330,"structure_id":13349,"section_number":"38.2-3501","catch_line":"Policy forms; powers of Commission","url":"\/38.2-3501\/","token":"38.2\/35\/1\/38.2-3501","metadata":false},{"id":56141,"structure_id":13349,"section_number":"38.2-3502","catch_line":"Notice to be printed on policy; return of policy to insurer","url":"\/38.2-3502\/","token":"38.2\/35\/1\/38.2-3502","metadata":false},{"id":67765,"structure_id":13349,"section_number":"38.2-3503","catch_line":"Required accident and sickness policy provisions","url":"\/38.2-3503\/","token":"38.2\/35\/1\/38.2-3503","metadata":false},{"id":83509,"structure_id":13349,"section_number":"38.2-3504","catch_line":"Other provisions","url":"\/38.2-3504\/","token":"38.2\/35\/1\/38.2-3504","metadata":false},{"id":87251,"structure_id":13349,"section_number":"38.2-3505","catch_line":"Inapplicable or inconsistent provisions","url":"\/38.2-3505\/","token":"38.2\/35\/1\/38.2-3505","metadata":false},{"id":72012,"structure_id":13349,"section_number":"38.2-3506","catch_line":"Order of certain policy provisions","url":"\/38.2-3506\/","token":"38.2\/35\/1\/38.2-3506","metadata":false},{"id":62115,"structure_id":13349,"section_number":"38.2-3507","catch_line":"Third-party ownership","url":"\/38.2-3507\/","token":"38.2\/35\/1\/38.2-3507","metadata":false},{"id":67338,"structure_id":13349,"section_number":"38.2-3508","catch_line":"Requirements of other jurisdictions","url":"\/38.2-3508\/","token":"38.2\/35\/1\/38.2-3508","metadata":false},{"id":71696,"structure_id":13349,"section_number":"38.2-3509","catch_line":"Denial or reduction of benefits because of existence of other like insurance","url":"\/38.2-3509\/","token":"38.2\/35\/1\/38.2-3509","metadata":false},{"id":65637,"structure_id":13349,"section_number":"38.2-3510","catch_line":"Conforming to statute","url":"\/38.2-3510\/","token":"38.2\/35\/1\/38.2-3510","metadata":false},{"id":77787,"structure_id":13349,"section_number":"38.2-3511","catch_line":"Application","url":"\/38.2-3511\/","token":"38.2\/35\/1\/38.2-3511","metadata":false},{"id":78397,"structure_id":13349,"section_number":"38.2-3512","catch_line":"Notice; waiver","url":"\/38.2-3512\/","token":"38.2\/35\/1\/38.2-3512","metadata":false},{"id":65509,"structure_id":13349,"section_number":"38.2-3513","catch_line":"Age limit","url":"\/38.2-3513\/","token":"38.2\/35\/1\/38.2-3513","metadata":false},{"id":72827,"structure_id":13349,"section_number":"38.2-3514","catch_line":"When liability not to be denied because of preexisting disease, physical impairment or defect","url":"\/38.2-3514\/","token":"38.2\/35\/1\/38.2-3514","metadata":false},{"id":77154,"structure_id":13349,"section_number":"38.2-3514.1","catch_line":"Preexisting conditions provisions","url":"\/38.2-3514.1\/","token":"38.2\/35\/1\/38.2-3514.1","metadata":false},{"id":74263,"structure_id":13349,"section_number":"38.2-3514.2","catch_line":"Renewability of coverage","url":"\/38.2-3514.2\/","token":"38.2\/35\/1\/38.2-3514.2","metadata":false},{"id":71909,"structure_id":13349,"section_number":"38.2-3515","catch_line":"Repealed","url":"\/38.2-3515\/","token":"38.2\/35\/1\/38.2-3515","metadata":false}],"next_section":{"id":54330,"structure_id":13349,"section_number":"38.2-3501","catch_line":"Policy forms; powers of Commission","url":"\/38.2-3501\/","token":"38.2\/35\/1\/38.2-3501","metadata":false},"metadata":false,"official_url":"https:\/\/law.lis.virginia.gov\/vacode\/38.2-3500\/","history_text":"

This law was first created in 1952. The record of its establishment is cataloged in chapter 317 of that year\u2019s edition of \u201cActs of Assembly,\u201d the annual state publication listing all changes made to the Code of Virginia in that year. Unfortunately, the 1952 \u201cActs\u201d aren\u2019t available online. It has been modified 4 times. Those modifications are cataloged by \u201cThe Acts of Assembly,\u201d a state publication, by year and chapter. Those modifications that can be read on the General Assembly\u2019s website will be linked accordingly. Those modifications are as follows: in 1986, chapters 550 and 562; in 1993, chapter 306; in 1994, chapter 316<\/a>; in 2011, chapter 882<\/a>.<\/p>","references":[{"id":75359,"section_number":"38.2-109","catch_line":"Accident and sickness","order_by":null,"url":"\/38.2-109\/"},{"id":57593,"section_number":"38.2-3400","catch_line":"Application of chapter","order_by":null,"url":"\/38.2-3400\/"},{"id":65279,"section_number":"38.2-3404","catch_line":"Commission may establish rules and regulations for simplified and readable accident and sickness insurance policies","order_by":null,"url":"\/38.2-3404\/"},{"id":67972,"section_number":"38.2-3406.2","catch_line":"Capped benefits under insurance policies and contracts","order_by":null,"url":"\/38.2-3406.2\/"},{"id":55902,"section_number":"38.2-3439","catch_line":"Dependent coverage for individuals to age 26","order_by":null,"url":"\/38.2-3439\/"},{"id":56815,"section_number":"38.2-3518","catch_line":"Standards for policy provisions","order_by":null,"url":"\/38.2-3518\/"},{"id":65309,"section_number":"38.2-4123","catch_line":"Exemptions","order_by":null,"url":"\/38.2-4123\/"},{"id":67952,"section_number":"38.2-4319","catch_line":"Statutory construction and relationship to other laws","order_by":null,"url":"\/38.2-4319\/"}],"refers_to":[{"id":56047,"section_number":"32.1-325.2","catch_line":"Department is payor of last resort","order_by":null,"url":"\/32.1-325.2\/"},{"id":57210,"section_number":"38.2-3438","catch_line":"Definitions","order_by":null,"url":"\/38.2-3438\/"},{"id":67765,"section_number":"38.2-3503","catch_line":"Required accident and sickness policy provisions","order_by":null,"url":"\/38.2-3503\/"},{"id":67338,"section_number":"38.2-3508","catch_line":"Requirements of other jurisdictions","order_by":null,"url":"\/38.2-3508\/"}],"permalink":{"id":215645,"object_type":"law","relational_id":81706,"identifier":"38.2-3500","token":"38.2\/35\/1\/38.2-3500","url":"\/38.2-3500\/","edition_id":1,"permalink":0,"preferred":1},"url":"\/38.2-3500\/","token":"38.2\/35\/1\/38.2-3500","dublin_core":{"Title":"Form of policy","Type":"Text","Format":"text\/html","Identifier":"\u00a7 38.2-3500","Relation":"Code of Virginia"},"html":"\n\t\t\t\t\t\t

A.<\/span> No individual accident and sickness insurance<\/span> policy shall be delivered or issued for delivery to any person<\/span> in this Commonwealth unless: <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

1.<\/span> The entire consideration for the policy is expressed in the policy; <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

2.<\/span> The time at which the insurance<\/span> takes effect and terminates is expressed in the policy; <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

3.<\/span> The policy insures only one person<\/span>, except that it may insure eligible family members<\/span>, originally or by subsequent amendment, upon the application of an adult member of a family who shall be deemed the policyowner; <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

4.<\/span> The exceptions and reductions are set forth in the policy and, except those that are set forth in §§ 38.2-3503<\/a> through 38.2-3508<\/a>, are printed with the benefit provisions to which they apply, or under an appropriate caption, but if an exception or reduction specifically applies only to a particular benefit of the policy, a statement of the exception or reduction shall be included with that benefit provision; <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

5.<\/span> Each form, including riders and endorsements, is identified by a form number in the lower left-hand corner of the first page of the form; <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

6.<\/span> It contains no provision making any portion of the charter, rules, constitution, or bylaws of the insurer<\/span> a part of the policy unless that portion is set forth in the policy, except in the case of the incorporation of, or reference to, a statement of rates<\/span><\/span> or classification of risks, or short-rate<\/span> table filed with the Commission<\/span>; and <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

7.<\/span> It contains a statement about the provisions of subsections A and B of § 32.1-325.2<\/a> regarding the status of the Department of Medical Assistance Services as the payor of last resort. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

B.<\/span> If any policy is issued by an insurer<\/span> domiciled in this Commonwealth for delivery to a person<\/span> residing in another state<\/span>, and if the insurance<\/span> supervisory official of the other state<\/span> advises the Commission<\/span> that any such policy is not subject to approval or disapproval by such official, the Commission<\/span> may by ruling require that such policy meet the standards set forth in this chapter. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

C.<\/span> “Eligible family member<\/span>” means the (i) spouse, (ii) dependent children, without regard to whether such children reside in the same household as the policyowner, (iii) children under a specified age not greater than 19 years, and (iv) any person<\/span> dependent on the policyowner. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

D.<\/span> The provisions of this section shall not apply in any instance in which the provisions of this section are inconsistent or in conflict with a provision of Article 6 (§ 38.2-3438<\/a> et seq.) of Chapter 34. <\/i><\/a><\/p><\/section>","plain_text":" CODE OF VIRGINIA\n\nFORM OF POLICY (\u00a7 38.2-3500)\n\nA. No individual accident and sickness insurance policy shall be delivered or\nissued for delivery to any person in this Commonwealth unless:\n\n 1. The entire consideration for the policy is expressed in the policy;\n\n 2. The time at which the insurance takes effect and terminates is expressed in\n the policy;\n\n 3. The policy insures only one person, except that it may insure eligible\n family members, originally or by subsequent amendment, upon the application of\n an adult member of a family who shall be deemed the policyowner;\n\n 4. The exceptions and reductions are set forth in the policy and, except those\n that are set forth in §§ 38.2-3503 through 38.2-3508, are printed\n with the benefit provisions to which they apply, or under an appropriate\n caption, but if an exception or reduction specifically applies only to a\n particular benefit of the policy, a statement of the exception or reduction\n shall be included with that benefit provision;\n\n 5. Each form, including riders and endorsements, is identified by a form\n number in the lower left-hand corner of the first page of the form;\n\n 6. It contains no provision making any portion of the charter, rules,\n constitution, or bylaws of the insurer a part of the policy unless that\n portion is set forth in the policy, except in the case of the incorporation\n of, or reference to, a statement of rates or classification of risks, or\n short-rate table filed with the Commission; and\n\n 7. It contains a statement about the provisions of subsections A and B of\n § 32.1-325.2 regarding the status of the Department of Medical Assistance\n Services as the payor of last resort.\n\nB. If any policy is issued by an insurer domiciled in this Commonwealth for\ndelivery to a person residing in another state, and if the insurance supervisory\nofficial of the other state advises the Commission that any such policy is not\nsubject to approval or disapproval by such official, the Commission may by\nruling require that such policy meet the standards set forth in this chapter.\n\nC. “Eligible family member” means the (i) spouse, (ii) dependent\nchildren, without regard to whether such children reside in the same household\nas the policyowner, (iii) children under a specified age not greater than 19\nyears, and (iv) any person dependent on the policyowner.\n\nD. The provisions of this section shall not apply in any instance in which the\nprovisions of this section are inconsistent or in conflict with a provision of\nArticle 6 (§ 38.2-3438 et seq.) of Chapter 34.\n\nHISTORY: 1952, c. 317, \u00a7 38.1-348; 1986, cc. 550, 562; 1993, c. 306; 1994, c.\n316; 2011, c. 882.","edition":{"id":1,"name":"2025","slug":"2025","date_created":"2026-06-21 22:39:22","date_modified":"2026-06-21 22:39:22","current":1,"order_by":1,"last_import":null}}