---
title: O.C.G.A. § 33-43-4. Reasonable return of benefits required; minimum standards for loss ratios.
collection: code
id: 33-43-4
cite_as: O.C.G.A. § 33-43-4 (2025)
canonical_url: https://georgiacommons.org/code/33-43-4
md_url: https://georgiacommons.org/code/33-43-4.md
text_url: https://georgiacommons.org/code/33-43-4/text
source_url: https://www.legis.ga.gov/api/document/docs/default-source/joint-features-document-library/t33-ch23-65-(v25)-2020-pdf.pdf?sfvrsn=68297_0#page=908
date: 2025
status: active
corpus_version: 2025-supplement-89aa39ab3c68
license: CC0-1.0
publisher: Georgia Commons, an independent project of Georgia Civic Data. Not the State of Georgia. Not legal advice.
up: https://georgiacommons.org/code/33-43.md
previous: https://georgiacommons.org/code/33-43-3.md
next: https://georgiacommons.org/code/33-43-5.md
index: https://georgiacommons.org/code/index.md
version: the only printed version
in_force: true
current_through: Including Acts of the 2025 Regular Session of the General Assembly
heading_path: INSURANCE / MEDICARE SUPPLEMENT INSURANCE
---

# O.C.G.A. § 33-43-4. Reasonable return of benefits required; minimum standards for loss ratios.

Medicare supplement policies shall return to policyholders benefits which are reasonable in relation to the premium charged. The Commissioner shall issue reasonable regulations to establish minimum standards for loss ratios of medicare supplement policies on the basis of incurred claims experience, or incurred health care expenses where coverage is provided by a health maintenance organization on a service rather than reimbursement basis, and earned premiums in accordance with accepted actuarial principles and practices.

## History

Code 1981, § 33-43-4, enacted by Ga. L. 1992, p. 1395, § 1.