THE INSURANCE CODE OF 1956
Act 218 of 1956
500.3400 Definitions; scope of chapter, exemptions, exceptions.
Sec. 3400.
(1) As used in this chapter:
(a) "Affiliated provider" means a health professional, licensed hospital, licensed pharmacy, or other person that has entered into a participating provider contract, directly or indirectly, with a health maintenance organization to render 1 or more health services to an enrollee. Affiliated provider includes a person described in this subdivision that has entered into a written arrangement with another person, including, but not limited to, a physician hospital organization or physician organization, that contracts directly with a health maintenance organization.
(b) "Disability insurance policy" includes an insurance policy or insurance contract that insures against loss resulting from sickness or from bodily injury or death by accident, or both, including also the granting of specific hospital benefits and medical, surgical, and sick-care benefits to an individual, family, or group, subject to the exclusions provided in this section.
(2) This chapter does not apply to or affect any of the following:
(a) A liability or worker's disability compensation insurance policy, regardless of whether supplementary expense coverage is included.
(b) A reinsurance policy or contract.
(c) Life insurance, endowment, or annuity contracts, or contracts supplemental to life insurance, endowment, or annuity contracts, that only contain provisions relating to disability insurance that do any of the following:
(i) Provide additional benefits in case of death or dismemberment or loss of sight by accident.
(ii) Operate to safeguard the contracts against lapse or to give a special surrender value, special benefit, or annuity in the event that the insured or annuitant becomes totally and permanently disabled, as defined by the contract or supplemental contract. A supplemental contract described in this subparagraph must be issued under the authority of section 602.
(3) An insurer may omit the provisions required under sections 3407, 3411, and 3420 from ticket policies sold only to passengers by common carriers.
(4) Section 3475 applies to group, blanket, or family expense disability insurance contracts and the remaining provisions of this chapter apply to group, blanket, or family expense disability insurance contracts only as provided in this chapter.
History: 1956, Act 218, Eff. Jan. 1, 1957 ;-- Am. 1963, Act 56, Eff. Sept. 6, 1963 ;-- Am. 2016, Act 276, Imd. Eff. July 1, 2016
PopularName Notes:
Act 218
Notes of Decisions
Smitter v. Thornapple Twp., 833 N.W.2d 875 (Mich. 2013).
· cites it 2× “MCL 500.3400(1) defines “policy of disability insurance” to “include[] any policy or contract of insurance against loss resulting from sickness or from bodily injury or death by accident, or both, including also the granting of specific hospital benefits and medical, surgical…”
Siller v. Employers Ins. of Wausau, 333 N.W.2d 197 (Mich. Ct. App. 1983).
“The insurance policy in question is subject to the provisions of the uniform disability insurance policy provisions law, MCL 500.3400 et seq.; MSA 24.13400 et seq.”
Gipson v. Life Ins. Co. of North Am., 529 F. Supp. 224 (E.D. Mich. 1981).
· cites it 2× “The same language is repeated in Section 500.3400 which defines the term “policy of disability insurance” as follows: Sec.”
Auto Club Ins. Ass'n v. Frederick & Herrud, Inc., 377 N.W.2d 902 (Mich. Ct. App. 1985).
“13440, which provide for the coordination of benefits in certain insurance contracts, similarly do not apply to no-fault insurance by virtue of MCL 500.3400(4); MSA 24.13400(4) and MCL 500.”
Parrish v. Paul Revere Life Ins., 302 N.W.2d 332 (Mich. Ct. App. 1981).
“602; MSA 24.1602. In the instant case, plaintiff seeks benefits for total disability due to sickness.”
Albright v. Butterworth Hmo, 492 N.W.2d 457 (Mich. Ct. App. 1992).
· cites it 6× “Plaintiffs argue that a no-fault policy falls within the definition of a "policy of disability insurance” under MCL 500.3400; MSA 24.13400, thereby making MCL 550.”
Estabrook v. Lincoln Nat'l Life Ins., 432 N.W.2d 733 (Mich. Ct. App. 1988).
“13105, such a policy falls within the definition of "policy of disability insurance” set forth at MCL 500.3400; MSA 24.13400 ("any policy or contract of insurance against loss resulting from .”
— Mich. Comp. Laws § 500.3400(1) — 2 cases
Smitter v. Thornapple Twp., 833 N.W.2d 875 (Mich. 2013).
“MCL 500.3400(1) defines “policy of disability insurance” to “include[] any policy or contract of insurance against loss resulting from sickness or from bodily injury or death by accident, or both, including also the granting of specific hospital benefits and medical, surgical…”
Parrish v. Paul Revere Life Ins., 302 N.W.2d 332 (Mich. Ct. App. 1981).
“602; MSA 24.1602. In the instant case, plaintiff seeks benefits for total disability due to sickness.”
— Mich. Comp. Laws § 500.3400(2)(a) — 1 case
Albright v. Butterworth Hmo, 492 N.W.2d 457 (Mich. Ct. App. 1992).
“Plaintiffs argue that a no-fault policy falls within the definition of a "policy of disability insurance” under MCL 500.3400; MSA 24.13400, thereby making MCL 550.”
— Mich. Comp. Laws § 500.3400(4) — 1 case
Auto Club Ins. Ass'n v. Frederick & Herrud, Inc., 377 N.W.2d 902 (Mich. Ct. App. 1985).
“13440, which provide for the coordination of benefits in certain insurance contracts, similarly do not apply to no-fault insurance by virtue of MCL 500.3400(4); MSA 24.13400(4) and MCL 500.”
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