{"formats":[{"name":"JSON","format":"json","url":"\/downloads\/2025\/code-json\/38.2-3509.json"},{"name":"Plain Text","format":"text","url":"\/downloads\/2025\/code-text\/38.2-3509.txt"},{"name":"XML","format":"xml","url":"\/downloads\/2025\/code-xml\/38.2-3509.xml"},{"name":"HTML","format":"html","url":"\/downloads\/2025\/code-html\/38.2-3509.html"}],"law_id":71696,"edition_id":1,"section_id":71696,"structure_id":13349,"section_number":"38.2-3509","catch_line":"Denial or reduction of benefits because of existence of other like insurance","history":"1970, c. 378, \u00a7 38.1-355; 1986, c. 562.","full_text":"A\n\nNo individual accident and sickness insurance policy, nor any subscription contract as provided for in Chapter 42 (&#xA7; 38.2-4200 et seq.) of this title, delivered or issued for delivery in this Commonwealth shall contain any provision for the denial or reduction of benefits because of the existence of other like insurance except to the extent that the aggregate benefits, with respect to the covered medical expenses incurred under the policy or plan and all other like insurance with other insurers, exceed all covered medical expenses incurred.B\n\nThe term &#8220;other like insurance&#8221; may include group insurance or coverage provided by hospital or medical service organizations, union welfare plans, employer or employee benefit organizations, or workers&#8217; compensation insurance.","order_by":null,"text":{"0":{"id":258334,"text":"No individual accident and sickness insurance policy, nor any subscription contract as provided for in Chapter 42 (&#xA7; 38.2-4200 et seq.) of this title, delivered or issued for delivery in this Commonwealth shall contain any provision for the denial or reduction of benefits because of the existence of other like insurance except to the extent that the aggregate benefits, with respect to the covered medical expenses incurred under the policy or plan and all other like insurance with other insurers, exceed all covered medical expenses incurred.","type":"section","prefixes":["A"],"prefix":"A","entire_prefix":"A","prefix_anchor":"A","level":1,"next_prefix":"B"},"1":{"id":258335,"text":"The term &#8220;other like insurance&#8221; may include group insurance or coverage provided by hospital or medical service organizations, union welfare plans, employer or employee benefit organizations, or workers&#8217; compensation insurance.","type":"section","prefixes":["B"],"prefix":"B","entire_prefix":"B","prefix_anchor":"B","level":1,"prior_prefix":"A"}},"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}],"previous_section":{"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},"next_section":{"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},"metadata":false,"official_url":"https:\/\/law.lis.virginia.gov\/vacode\/38.2-3509\/","history_text":"<p>This law was first created in 1970. The record of its establishment is cataloged in chapter 378 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 1970 \u201cActs\u201d aren\u2019t available online. It has been modified 1 time. 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. That modification is as follows: in 1986, chapter 562.<\/p>","references":false,"refers_to":[{"id":78890,"section_number":"38.2-4200","catch_line":"Applicability of chapter","order_by":null,"url":"\/38.2-4200\/"}],"permalink":{"id":215681,"object_type":"law","relational_id":71696,"identifier":"38.2-3509","token":"38.2\/35\/1\/38.2-3509","url":"\/38.2-3509\/","edition_id":1,"permalink":0,"preferred":1},"url":"\/38.2-3509\/","token":"38.2\/35\/1\/38.2-3509","dublin_core":{"Title":"Denial or reduction of benefits because of existence of other like insurance","Type":"Text","Format":"text\/html","Identifier":"\u00a7 38.2-3509","Relation":"Code of Virginia"},"html":"\n\t\t\t\t\t\t<section id=\"A\"><p><span class=\"prefix-number\">A.<\/span> No individual accident and sickness <span class=\"dictionary\">insurance<\/span> policy, nor any subscription <span class=\"dictionary\">contract<\/span> as provided for in Chapter 42 (&#xA7; <a class=\"law\" title=\"Applicability of chapter\" href=\"\/38.2-4200\/\">38.2-4200<\/a> et seq.) of this title, delivered or issued for delivery in this Commonwealth shall contain any provision for the denial or reduction of benefits because of the existence of other like <span class=\"dictionary\">insurance<\/span> except to the extent that the aggregate benefits, with respect to the covered medical expenses incurred under the policy or plan and all other like <span class=\"dictionary\">insurance<\/span> with other <span class=\"dictionary\">insurers<\/span>, exceed all covered medical expenses incurred. <a id=\"paragraph-258334\" class=\"section-permalink\" href=\"https:\/\/vacode.org\/38.2-3509\/#A\"><i class=\"fa fa-link\"><\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t<section id=\"B\"><p><span class=\"prefix-number\">B.<\/span> The term &#8220;other like <span class=\"dictionary\">insurance<\/span>&#8221; may include group <span class=\"dictionary\">insurance<\/span> or coverage provided by hospital or medical service organizations, union welfare plans, employer or employee benefit organizations, or workers&#8217; compensation <span class=\"dictionary\">insurance<\/span>. <a id=\"paragraph-258335\" class=\"section-permalink\" href=\"https:\/\/vacode.org\/38.2-3509\/#B\"><i class=\"fa fa-link\"><\/i><\/a><\/p><\/section>","plain_text":"                                 CODE OF VIRGINIA\n\nDENIAL OR REDUCTION OF BENEFITS BECAUSE OF EXISTENCE OF OTHER LIKE INSURANCE (\u00a7\n38.2-3509)\n\nA. No individual accident and sickness insurance policy, nor any subscription\ncontract as provided for in Chapter 42 (&#xA7; 38.2-4200 et seq.) of this title,\ndelivered or issued for delivery in this Commonwealth shall contain any\nprovision for the denial or reduction of benefits because of the existence of\nother like insurance except to the extent that the aggregate benefits, with\nrespect to the covered medical expenses incurred under the policy or plan and\nall other like insurance with other insurers, exceed all covered medical\nexpenses incurred.\n\nB. The term &#8220;other like insurance&#8221; may include group insurance or\ncoverage provided by hospital or medical service organizations, union welfare\nplans, employer or employee benefit organizations, or workers&#8217;\ncompensation insurance.\n\nHISTORY: 1970, c. 378, \u00a7 38.1-355; 1986, c. 562.","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}}