                                 CODE OF VIRGINIA

GROUP ACCIDENT AND SICKNESS INSURANCE COVERAGES OF SPOUSES, DEPENDENT CHILDREN
OR OTHER PERSONS (§ 38.2-3525)

A. Coverage under a group accident and sickness insurance policy, except a
policy issued pursuant to subsection B of § 38.2-3521.1, may be extended to
insure:

   1. The spouse and any child who is (i) under the age of 19 years, (ii) who is
   a dependent and under the age of 25 years, or (iii) who is a dependent and a
   full-time student under 25 years of age, without regard to whether such child
   resides in the same household as the insured group member, or any class of
   spouse and dependent children, of each insured group member who so elects; and

   2. Any other class of persons as may mutually be agreed upon by the insurer
   and the group policyholder.

B. The amount of accident and sickness insurance for the spouse, dependent child
or other person shall not exceed the amount of accident and sickness insurance
for the insured group member.

C. At the insurer&#8217;s option and subject to the policyholder&#8217;s
election, the coverage for children of the insured group member may be extended
beyond the ages established in subsection A. Any such extension of coverage
shall be as mutually agreed upon by the insurer and the group policyholder.

D. Notwithstanding the provisions of &#xA7; 38.2-3538, one certificate may be
issued for each insured group member if a statement concerning any
spouse&#8217;s, dependent child&#8217;s, or other person&#8217;s coverage is
included in the certificate.

E. When a policy provides coverage for a dependent child who is enrolled based
upon the child&#8217;s status as a full-time student and such child is unable
due to a medical condition to continue as a full-time student, coverage under
the policy for such child nevertheless shall continue in force provided the
child&#8217;s treating physician certifies to the insurer at the time the child
withdraws as a full-time student that the child&#8217;s absence is medically
necessary. Coverage for such child shall continue in force until the earlier of
(i) the date that is 12 months from the date the child ceases to be a full-time
student or (ii) the date the child no longer qualifies as a dependent child
under the terms of the group policy. A child&#8217;s status as a full-time
student shall be determined in accordance with the criteria specified by the
institution in which the child is enrolled.

F. 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 (&#xA7; 38.2-3438 et seq.) of Chapter 34.

HISTORY: 1986, c. 562; 1993, c. 306; 1998, c. 154; 2004, c. 771; 2005, c. 871;
2007, c. 428; 2008, c. 209; 2011, c. 882.