{"formats":[{"name":"JSON","format":"json","url":"\/downloads\/2025\/code-json\/38.2-3604.json"},{"name":"Plain Text","format":"text","url":"\/downloads\/2025\/code-text\/38.2-3604.txt"},{"name":"XML","format":"xml","url":"\/downloads\/2025\/code-xml\/38.2-3604.xml"},{"name":"HTML","format":"html","url":"\/downloads\/2025\/code-html\/38.2-3604.html"}],"law_id":72778,"edition_id":1,"section_id":72778,"structure_id":16185,"section_number":"38.2-3604","catch_line":"Free look notice required","history":"1980, c. 204, \u00a7 38.1-362.13; 1981, c. 575; 1986, c. 562; 1989, c. 151.","full_text":"Notwithstanding the provisions of \u00a7 38.2-3502, Medicare supplement policies shall have printed on the policy a notice stating substantially: &#8220;RIGHT TO RETURN POLICY WITHIN THIRTY DAYS. If for any reason you are not satisfied with your policy you may return this policy to the company within thirty days of the date you received it and the premium paid will be promptly refunded.&#8221;\n\t\tA policy returned pursuant to the notice shall be void upon the mailing or delivery of the policy to the insurer.\n\t\tNothing in this section shall prohibit an insurer from extending the right to examine period to more than thirty days if the period is specified in the policy.","order_by":null,"text":{"0":{"id":262131,"text":"Notwithstanding the provisions of \u00a7 38.2-3502, Medicare supplement policies shall have printed on the policy a notice stating substantially: &#8220;RIGHT TO RETURN POLICY WITHIN THIRTY DAYS. If for any reason you are not satisfied with your policy you may return this policy to the company within thirty days of the date you received it and the premium paid will be promptly refunded.&#8221;\n\t\tA policy returned pursuant to the notice shall be void upon the mailing or delivery of the policy to the insurer.\n\t\tNothing in this section shall prohibit an insurer from extending the right to examine period to more than thirty days if the period is specified in the policy.","type":"section","prefixes":[""],"prefix":"","entire_prefix":"","prefix_anchor":"","level":1}},"ancestry":[{"id":16185,"edition_id":1,"name":"Medicare Supplement Policies","identifier":"36","label":"chapter","depth":2,"order_by":1,"parent_id":12698,"metadata":{},"date_created":"2026-06-26 04:08:31","date_modified":"2026-06-26 04:08:31","permalink":{"id":216003,"object_type":"structure","relational_id":16185,"identifier":"36","token":"38.2\/36","url":"\/38.2\/36\/","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":84516,"structure_id":16185,"section_number":"38.2-3600","catch_line":"Medicare supplement policy; definition","url":"\/38.2-3600\/","token":"38.2\/36\/38.2-3600","metadata":false},{"id":87447,"structure_id":16185,"section_number":"38.2-3601","catch_line":"Medicare supplement policies; minimum return for group policies generally","url":"\/38.2-3601\/","token":"38.2\/36\/38.2-3601","metadata":false},{"id":78844,"structure_id":16185,"section_number":"38.2-3602","catch_line":"Repealed","url":"\/38.2-3602\/","token":"38.2\/36\/38.2-3602","metadata":false},{"id":83912,"structure_id":16185,"section_number":"38.2-3603","catch_line":"Same; minimum return for individual policies","url":"\/38.2-3603\/","token":"38.2\/36\/38.2-3603","metadata":false},{"id":72778,"structure_id":16185,"section_number":"38.2-3604","catch_line":"Free look notice required","url":"\/38.2-3604\/","token":"38.2\/36\/38.2-3604","metadata":false},{"id":64580,"structure_id":16185,"section_number":"38.2-3605","catch_line":"Coverage of preexisting conditions; Medicare supplement policies","url":"\/38.2-3605\/","token":"38.2\/36\/38.2-3605","metadata":false},{"id":84017,"structure_id":16185,"section_number":"38.2-3606","catch_line":"Outline of coverage","url":"\/38.2-3606\/","token":"38.2\/36\/38.2-3606","metadata":false},{"id":72816,"structure_id":16185,"section_number":"38.2-3607","catch_line":"Group or individual Medicare supplement policies; minimum standards","url":"\/38.2-3607\/","token":"38.2\/36\/38.2-3607","metadata":false},{"id":76715,"structure_id":16185,"section_number":"38.2-3608","catch_line":"Regulations establishing minimum standards","url":"\/38.2-3608\/","token":"38.2\/36\/38.2-3608","metadata":false},{"id":79289,"structure_id":16185,"section_number":"38.2-3609","catch_line":"Insurer to file copy of advertisement with Commission","url":"\/38.2-3609\/","token":"38.2\/36\/38.2-3609","metadata":false},{"id":80992,"structure_id":16185,"section_number":"38.2-3610","catch_line":"Medicare supplement policies for persons eligible by reason of disability","url":"\/38.2-3610\/","token":"38.2\/36\/38.2-3610","metadata":false},{"id":70309,"structure_id":16185,"section_number":"38.2-3611","catch_line":"Annual open enrollment period","url":"\/38.2-3611\/","token":"38.2\/36\/38.2-3611","metadata":false}],"previous_section":{"id":83912,"structure_id":16185,"section_number":"38.2-3603","catch_line":"Same; minimum return for individual policies","url":"\/38.2-3603\/","token":"38.2\/36\/38.2-3603","metadata":false},"next_section":{"id":64580,"structure_id":16185,"section_number":"38.2-3605","catch_line":"Coverage of preexisting conditions; Medicare supplement policies","url":"\/38.2-3605\/","token":"38.2\/36\/38.2-3605","metadata":false},"metadata":false,"official_url":"https:\/\/law.lis.virginia.gov\/vacode\/38.2-3604\/","history_text":"<p>This law was first created in 1980. The record of its establishment is cataloged in chapter 204 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 1980 \u201cActs\u201d aren\u2019t available online. It has been modified 3 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 1981, chapter 575; in 1986, chapter 562; in 1989, chapter 151.<\/p>","references":[{"id":72816,"section_number":"38.2-3607","catch_line":"Group or individual Medicare supplement policies; minimum standards","order_by":null,"url":"\/38.2-3607\/"}],"refers_to":[{"id":56141,"section_number":"38.2-3502","catch_line":"Notice to be printed on policy; return of policy to insurer","order_by":null,"url":"\/38.2-3502\/"}],"permalink":{"id":216021,"object_type":"law","relational_id":72778,"identifier":"38.2-3604","token":"38.2\/36\/38.2-3604","url":"\/38.2-3604\/","edition_id":1,"permalink":0,"preferred":1},"url":"\/38.2-3604\/","token":"38.2\/36\/38.2-3604","dublin_core":{"Title":"Free look notice required","Type":"Text","Format":"text\/html","Identifier":"\u00a7 38.2-3604","Relation":"Code of Virginia"},"html":"\n\t\t\t\t\t\t<section><p>Notwithstanding the provisions of \u00a7&nbsp;<a class=\"law\" title=\"Notice to be printed on policy; return of policy to insurer\" href=\"\/38.2-3502\/\">38.2-3502<\/a>, <span class=\"dictionary\">Medicare<\/span> supplement policies shall have printed on the policy a notice stating substantially: &#8220;RIGHT TO RETURN POLICY WITHIN THIRTY DAYS. If for any reason you are not satisfied with your policy you may return this policy to the <span class=\"dictionary\">company<\/span> within thirty days of the date you received it and the premium paid will be promptly refunded.&#8221;\n\t\tA policy returned pursuant to the notice shall be void upon the mailing or delivery of the policy to the <span class=\"dictionary\">insurer<\/span>.\n\t\tNothing in this section shall prohibit an <span class=\"dictionary\">insurer<\/span> from extending the right to examine period to more than thirty days if the period is specified in the policy.<\/p><\/section>","plain_text":"                                 CODE OF VIRGINIA\n\nFREE LOOK NOTICE REQUIRED (\u00a7 38.2-3604)\n\nNotwithstanding the provisions of \u00a7 38.2-3502, Medicare supplement policies\nshall have printed on the policy a notice stating substantially: &#8220;RIGHT TO\nRETURN POLICY WITHIN THIRTY DAYS. If for any reason you are not satisfied with\nyour policy you may return this policy to the company within thirty days of the\ndate you received it and the premium paid will be promptly refunded.&#8221;\n\t\tA policy returned pursuant to the notice shall be void upon the mailing or\ndelivery of the policy to the insurer.\n\t\tNothing in this section shall prohibit an insurer from extending the right to\nexamine period to more than thirty days if the period is specified in the\npolicy.\n\nHISTORY: 1980, c. 204, \u00a7 38.1-362.13; 1981, c. 575; 1986, c. 562; 1989, c. 151.","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}}