Delaware Administrative Code Title 18 - Insurance
Here’s a detailed look at Delaware Administrative Code Title 18 – Insurance, which governs insurance regulation and consumer protection in the state:
📘 Structure & Jurisdiction of Title 18 – Insurance
1. Scope & Chapters
Title 18 includes comprehensive provisions under two main umbrellas:
Delaware Insurance Code (statutory law – “Del. C. Title 18”): Contains chapters on definitions, Insurance Commissioner’s powers, licensing, financial requirements, policy standards, health insurance, and more
Delaware Administrative Code (state agency regulations implementing the Code): Found under specific titles (e.g. Title 18‑100, 18‑1200, 18‑1300), covering operational rules for the Commissioner’s office, variable life, health insurance arbitration, etc. .
2. Key Statutory Chapters (Title 18, Del. C.)
Chapter 1–3: Definitions; Commissioner authority and structure .
Chapters 17–17B: Licensing requirements for producers, adjusters, public adjusters, and travel-insurance providers (delcode.delaware.gov).
Ch. 21–24, 25, 26: Fair practices, fraud, rates, rating organizations, and workers’ comp rating.
Ch. 27–34: Insurance contracts (life, group, health), annuities, pharmacy-benefit manager oversight, Medicare supplement standards (delcode.delaware.gov).
Ch. 66 (cited via news): Expanded death benefits for line-of-duty deaths and updated reproductive health, doula, and fertility coverage (reuters.com).
3. Administrative Regulations (Del. Admin. Code Title 18)
18 Del. Admin. Code 100–101: Governance of the Insurance Commissioner's office (structure, procedures) (law.cornell.edu).
18 Del. Admin. Code 1200 (e.g., 1205): Rules on variable life insurance, policy illustration standards, and financial assumptions (regulations.delaware.gov).
18 Del. Admin. Code 1300: Health insurance regulations including arbitration standards, network transparency, provider compensation, and specialty services (regulations.justia.com).
18 Del. Admin. Code 1205: Definitions for variable life policies, investment return standards, separate account rules .
✨ Recent Updates & Highlights
2024 legislative revisions broadened several areas:
Captive insurance (Title 69 amendments) enables greater financial flexibility and oversight (reuters.com).
Death benefits for “Covered Persons” (police, firefighters, etc.) increased to $375 K max, with $50 K/year cap, effective July 1 2023 (reuters.com).
Reproductive-health coverage, including doula services and fertility services, are now specified in Title 18 Chapters 33 and 35 (reuters.com).
📂 How to Access the Texts
Delaware Administrative Code Title 18 (Insurance): Browse all agency rules here – including sections 100 (Commissioner’s office), 1200 (life/annuity), 1300 (health insurance), etc. (regulations.delaware.gov).
Delaware Insurance Code PDF (Title 18): Download the authenticated statutes (~4 days ago) covering all chapters from definitions to health and annuity standards. (delcode.delaware.gov).
🔍 Need More Info?
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Details on a specific chapter (e.g., Chapter 33: health-insurance contracts, or Chapter 17: licensing).
Regulatory text (e.g., rules on variable life, arbitration, producer licensing).
The PDF excerpt or link to a particular section.
In summary, Title 18 sets comprehensive legal and regulatory frameworks for insurance in Delaware—from oversight of the Insurance Commissioner through consumer protections, contract standards, licensing, and responsive policies on health, death benefits, doula services, and more.
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