Minnesota Statutes

Minn. Stat. § 62A.01 (2026)

Requirements; Certificates Of Coverage Under Policy Of Accident And Sickness Insurance

✓ current as of May 2026

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Subdivision 1.Definition.

The term "policy of accident and sickness insurance" as used herein includes any policy covering the kind of insurance described in section 60A.06, subdivision 1, clause (5)(a), or the paid family and medical leave benefits as described in section 268B.10.

Subd. 2.Equal protection.

A certificate of insurance or similar evidence of coverage issued to a Minnesota resident shall provide coverage for all benefits required to be covered in group policies in Minnesota by this chapter and chapter 62E.

This subdivision supersedes any inconsistent provision of this chapter and chapter 62E.

A policy of accident and sickness insurance that is issued or delivered in this state and that covers a person residing in another state may provide coverage or contain provisions that are less favorable to that person than required by this chapter and chapter 62E. Less favorable coverages or provisions must meet the requirements that the state in which the person resides would have required had the policy been issued or delivered in that state.

Subd. 3.Exclusions.

Subdivision 2 does not apply to certificates issued in regard to a master policy issued outside the state of Minnesota if all of the following are true:

(1) the policyholder or certificate holder exists primarily for purposes other than to obtain insurance;

(2) the policyholder or certificate holder is not a Minnesota corporation and does not have its principal office in Minnesota;

(3) the policy or certificate covers fewer than 25 employees who are residents of Minnesota and the Minnesota employees represent less than 25 percent of all covered employees; and

(4) on request of the commissioner, the issuer files with the commissioner a copy of the policy and a copy of each form of certificate.

This subdivision applies to employers who are not corporations if they are policyholders or certificate holders providing coverage to employees through the certificate or policy.

Subd. 4.Application of other laws.

Section 60A.08, subdivision 4, shall not be construed as requiring a certificate of insurance or similar evidence of insurance that meets the conditions of subdivision 3 to comply with this chapter or chapter 62E.

Notes of Decisions

Cited in 9 cases, 1980–2016 · leading case: Kersten v. Minnesota Mut. Life Ins. Co., 608 N.W.2d 869 (Minn. 2000).

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Kersten v. Minnesota Mut. Life Ins. Co., 608 N.W.2d 869 (Minn. 2000). · cites it 6× “04 shall make a policy, or any portion thereof, less favorable in any respect to the insured or the beneficiary " than do the requirements of sections 62A.01 to 62A.09. Minn.Stat. § 62A.”

Butler v. Sentry Ins. a Mut. Co., 640 F. Supp. 806 (N.D. Ill. 1986). · cites it 3× “That is what Subdivision 7 does for Minnesota: It says foreign insurers’ policy terms cannot be less favorable to Minnesota residents 5 *809 than Minn.Stat. §§ 62A.01 to 62A.09 would require of Minnesota insurers.”

Ryan v. ITT Life Ins. Corp., 450 N.W.2d 126 (Minn. 1990). · cites it 2× “70, 71 (1940) (considering one of the forerunners of present day Minn.Stat. §§ 62A.01 to 62A.56 (1988), noted that the sections constitute “what is intended to be a code with reference to accident and health insurance”).”

Lora Walker v. Hartford Life & Accident Ins, 831 F.3d 968 (8th Cir. 2016). “” Specifically, Walker relies on Minn. Stat. §§ 62A.01, subdiv. 2; 62A.05(a); and 62A.”

Insurers' Action Council, Inc. v. Markman, 490 F. Supp. 921 (D. Minnesota 1980). · cites it 2× “The conversion privileges, simply put, permit one insured under a group policy to convert that coverage to an individual policy upon termination with the group.”

Erickson v. Fullerton, 619 N.W.2d 204 (Minn. Ct. App. 2000). · cites it 6× “Minn.Stat. §§ 62A.01, subd. 1, 60A.06, subd.”

Domke v. Farmers & Mechanics Sav. Bank, 363 N.W.2d 898 (Minn. Ct. App. 1985). “3 (1982) provides that The falsity of any statement in the application for any policy covered by sections 62A.01 to 62A.09 hereof, may not bar the right to recovery thereunder unless such false statement materially affected either the acceptance of the risk or the hazard assumed…”

Meyer v. Blue Cross & Blue Shield of Minnesota, 500 N.W.2d 150 (Minn. Ct. App. 1993). “3 (1984) regulates the denial of coverage based on false statement: The falsity of any statement in the application for any policy covered by sections 62A.01 to 62A.09 hereof, may not bar the right to recovery thereunder unless such false statement materially affected either the…”

BCBSM, Inc. v. Minnesota Comprehensive Health Ass'n, 713 N.W.2d 41 (Minn. Ct. App. 2006). · cites it 2× “3 (2004), defines “health plan” as a policy of accidenl-and-sickness insurance as defined in Minn.Stat. § 62A.01. 2 . Minn.Stat. § 60A.”

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