HF 2193 (LSB 5385YH (3) 91)

HOUSE FILE 2193

BY  BERGAN and YOUNG

A BILL FOR

An Act relating to living organ donors and life insurance, disability insurance, and long-term care insurance.
BE IT ENACTED BY THE GENERAL ASSEMBLY OF THE STATE OF IOWA:

    Section 1.  NEW SECTION.  511.41  Living organ donors.
   1.  As used in this section, unless the context otherwise requires:
   a.  “Covered person” means a policyholder, subscriber, enrollee, or other individual participating in a policy.
   b.  “Insurer” means a person to whom the commissioner of insurance has issued a limited lines life insurance, disability insurance, or long-term care insurance producer license.
   c.  “Living organ donor” means an individual who is not deceased and who has donated all or part of an organ.
   d.  “Policy” means a life insurance policy, disability insurance policy, or long-term care insurance policy.
   2.  An insurer shall not, based solely on an individual’s status as a living organ donor, do any of the following:
   a.  Decline or limit coverage under a policy for a covered person that is a living organ donor.
   b.  As a condition of continued coverage under a policy, preclude a covered person from becoming a living organ donor.
   c.  Discriminate against a covered person or individual in the offering, issuance, cancellation, coverage amount, price, or any other condition of a policy on the sole basis that the covered person or individual is a living organ donor.
   3.  The commissioner of insurance shall adopt rules pursuant to chapter 17A to administer this section.
EXPLANATION
The inclusion of this explanation does not constitute agreement with
the explanation’s substance by the members of the general assembly.
   This bill relates to insurance requirements applicable to living organ donors.
   The bill defines “policy” as a life insurance policy, disability insurance policy, or long-term care insurance policy. A “living organ donor” (donor) is defined as an individual who is not deceased and who has donated all or part of an organ.
   Under the bill, based solely on an individual’s status as a donor, an insurer shall not: (1) decline or limit coverage under a policy for a covered person that is a donor; (2) as a condition of continued coverage under a policy, preclude a covered person from becoming a living organ donor; or (3) discriminate against a covered person or individual in the offering, issuance, cancellation, coverage amount, price, or any other condition of a policy on the sole basis that the covered person or individual is a donor.
   The commissioner of insurance shall adopt rules to administer the bill.