---
title: Title 33, Chapter 24. Insurance Generally
collection: code
id: code:chapter:33-24
canonical_url: https://georgiacommons.org/code/title/33/chapter/24
md_url: https://georgiacommons.org/code/33-24.md
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.md
previous: https://georgiacommons.org/code/33-23.md
next: https://georgiacommons.org/code/33-25.md
index: https://georgiacommons.org/code/index.md
heading: INSURANCE GENERALLY
title_heading: INSURANCE
section_count: 143
full_url: https://georgiacommons.org/code/33-24.md?full=1
---

# Title 33, Chapter 24. Insurance Generally

Title 33. Insurance

143 sections. Each line is `citation, catchline, status, URL`; the text of every section, in order, is at https://georgiacommons.org/code/33-24.md?full=1 (capped, with a pointer to continue).

- 33-24-1, Definitions, active, https://georgiacommons.org/code/33-24-1.md
- 33-24-2, Applicability of chapter, active, https://georgiacommons.org/code/33-24-2.md
- 33-24-3, Insurable interest; personal insurance, active, https://georgiacommons.org/code/33-24-3.md
- 33-24-4, Insurable interest; property insurance, active, https://georgiacommons.org/code/33-24-4.md
- 33-24-5, Persons having capacity to contract for insurance; purchase of insurance by or for minors; rescission, avoidance, or repudiation of contracts by minors, active, https://georgiacommons.org/code/33-24-5.md
- 33-24-6, Consent of insured to insurance contract; exceptions; reliance by insurer on statements in application, active, https://georgiacommons.org/code/33-24-6.md
- 33-24-6.1, Prerequisites for replacement life insurance exceeding insurance being surrendered, active, https://georgiacommons.org/code/33-24-6.1.md
- 33-24-7, Statements and descriptions in applications or in negotiations deemed representations and not warranties; effect of misrepresentations upon recovery under policies, active, https://georgiacommons.org/code/33-24-7.md
- 33-24-8, Admissibility in evidence of applications in actions between insurer and insured, active, https://georgiacommons.org/code/33-24-8.md
- 33-24-9, Approval or disapproval of forms, active, https://georgiacommons.org/code/33-24-9.md
- 33-24-10, Grounds for disapproval of forms, active, https://georgiacommons.org/code/33-24-10.md
- 33-24-10.1, Standard or uniform claim form, active, https://georgiacommons.org/code/33-24-10.1.md
- 33-24-11, Waiver by Commissioner of use of standard or uniform provisions in policies or contracts; approval of use of substitute provisions, active, https://georgiacommons.org/code/33-24-11.md
- 33-24-12, Noncomplying conditions or provisions; cancellation of contracts covering uninsurable subjects, active, https://georgiacommons.org/code/33-24-12.md
- 33-24-13, Execution of policies; use of facsimile signatures, active, https://georgiacommons.org/code/33-24-13.md
- 33-24-14, (See Editor’s notes.) Delivery of policies; applicability of Uniform Electronic Transactions Act; additional mailings, active, https://georgiacommons.org/code/33-24-14.md
- 33-24-14.1, Electronic delivery of plan documentation, active, https://georgiacommons.org/code/33-24-14.1.md
- 33-24-15, When policies or contracts become effective, active, https://georgiacommons.org/code/33-24-15.md
- 33-24-16, Construction of policies, active, https://georgiacommons.org/code/33-24-16.md
- 33-24-16.1, Clarification of term ‘‘actual charge’’ or ‘‘actual fee’’, active, https://georgiacommons.org/code/33-24-16.1.md
- 33-24-17, Assignment of policies, active, https://georgiacommons.org/code/33-24-17.md
- 33-24-18, Contents of insurance policies and annuity contracts generally, active, https://georgiacommons.org/code/33-24-18.md
- 33-24-19, Incorporation of constituent documents in policies, active, https://georgiacommons.org/code/33-24-19.md
- 33-24-19.1, Certificate of insurance forms to be approved by Commissioner; definitions; required provisions of certificate, active, https://georgiacommons.org/code/33-24-19.1.md
- 33-24-20, Provision in accident and sickness policies for termination of coverage of surviving spouse or as result of break in marital relationship; issuance of policy to spouse, active, https://georgiacommons.org/code/33-24-20.md
- 33-24-21, Provision in accident and sickness policies for termination of group coverage of surviving spouse or as result of break in marital relationship; issuance of policy to spouse, active, https://georgiacommons.org/code/33-24-21.md
- 33-24-21.1, Group accident and sickness contracts; conversion privilege and continuation right provisions; impact of federal legislation, active, https://georgiacommons.org/code/33-24-21.1.md
- 33-24-21.2, Continuation of coverage under group accident and sickness plans for persons 60 years of age or older, active, https://georgiacommons.org/code/33-24-21.2.md
- 33-24-22, Provision in health insurance policies for coverage of newly born or adopted children, active, https://georgiacommons.org/code/33-24-22.md
- 33-24-23, Provision in group policies of accident and sickness insurance for exclusion or reduction of benefits, active, https://georgiacommons.org/code/33-24-23.md
- 33-24-24, Provision in group or blanket accident and sickness policies of coverage for complications of pregnancy, active, https://georgiacommons.org/code/33-24-24.md
- 33-24-25, Provisions in group or blanket policies excluding or reducing coverage of persons eligible for or receiving medical assistance, active, https://georgiacommons.org/code/33-24-25.md
- 33-24-26, Provisions limiting or restricting payment of benefits for preexisting illnesses or conditions, active, https://georgiacommons.org/code/33-24-26.md
- 33-24-26.1, Provisions required in group policies or contracts of disability income insurance covering preexisting conditions; restrictions on preexisting condition limitations or exclusions, active, https://georgiacommons.org/code/33-24-26.1.md
- 33-24-27, Provision for reimbursement for services within the lawful scope of practice of psychologists or chiropractors, active, https://georgiacommons.org/code/33-24-27.md
- 33-24-27.1, Provision for reimbursement for services within the lawful scope of practice of optometrists, active, https://georgiacommons.org/code/33-24-27.1.md
- 33-24-27.2, Provision for reimbursement for services within the lawful scope of practice of athletic trainers, active, https://georgiacommons.org/code/33-24-27.2.md
- 33-24-28, Termination of coverage of dependent child upon attainment of specified age, active, https://georgiacommons.org/code/33-24-28.md
- 33-24-28.1, Coverage of treatment of mental health or substance use disorders, active, https://georgiacommons.org/code/33-24-28.1.md
- 33-24-28.2, Coverage of outpatient surgery, active, https://georgiacommons.org/code/33-24-28.2.md
- 33-24-28.3, Policies not to exclude payment to hospitals specializing in treatment of alcoholics or drug addicts, active, https://georgiacommons.org/code/33-24-28.3.md
- 33-24-28.4, Coverage of general anesthesia and hospital or ambulatory surgical facility charges for certain dental care, active, https://georgiacommons.org/code/33-24-28.4.md
- 33-24-29, Coverage for treatment of mental disorders under accident and sickness insurance benefit plans providing major medical benefits covering small groups; federal law, active, https://georgiacommons.org/code/33-24-29.md
- 33-24-29.1, Coverage for mental disorders under accident and sickness insurance benefit plans providing major medical benefits covering all groups except small groups, active, https://georgiacommons.org/code/33-24-29.1.md
- 33-24-30, Excluding or denying coverage on basis of violation of civil air regulations, active, https://georgiacommons.org/code/33-24-30.md
- 33-24-30.1, Excluding or denying coverage on basis of lawful firearms possession, active, https://georgiacommons.org/code/33-24-30.1.md
- 33-24-31, Provision in group disability income policies for offsetting of increased social security benefits, active, https://georgiacommons.org/code/33-24-31.md
- 33-24-32, Underwriters’ and combination policies, active, https://georgiacommons.org/code/33-24-32.md
- 33-24-33, Binders and other contracts for temporary insurance, active, https://georgiacommons.org/code/33-24-33.md
- 33-24-34, Authorization of group insurance for government employees; deduction of premiums from wages or salaries, active, https://georgiacommons.org/code/33-24-34.md
- 33-24-35, Withdrawal or retirement from group insurance plan, active, https://georgiacommons.org/code/33-24-35.md
- 33-24-36, Effect of government employee group insurance upon rights under Workers’ Compensation Act, active, https://georgiacommons.org/code/33-24-36.md
- 33-24-37, Effect of government employee group insurance upon local and special laws, repealed (no version in force today), https://georgiacommons.org/code/33-24-37.md
- 33-24-38, Renewal or extension of policies by certificate or endorsement, active, https://georgiacommons.org/code/33-24-38.md
- 33-24-39, Insurers to furnish forms for proof of loss; effect of furnishing or failure to furnish forms, active, https://georgiacommons.org/code/33-24-39.md
- 33-24-40, Acts of claims administration not to be deemed waiver of policies or defenses under policies, active, https://georgiacommons.org/code/33-24-40.md
- 33-24-41, Discharge of insurer by payment generally, active, https://georgiacommons.org/code/33-24-41.md
- 33-24-41.1, Motor vehicle accident claim covered by two or more insurance carriers; limited release, active, https://georgiacommons.org/code/33-24-41.1.md
- 33-24-41.2, Written notice by insurer to claimant of payment of claim in third-party settlement, active, https://georgiacommons.org/code/33-24-41.2.md
- 33-24-42, Payment of claims in event of simultaneous deaths, active, https://georgiacommons.org/code/33-24-42.md
- 33-24-43, Medium of payment, active, https://georgiacommons.org/code/33-24-43.md
- 33-24-44, Cancellation of policies generally, active, https://georgiacommons.org/code/33-24-44.md
- 33-24-44.1, Procedure for cancellation by insured and notice, active, https://georgiacommons.org/code/33-24-44.1.md
- 33-24-45, Cancellation or nonrenewal of automobile or motorcycle policies; procedure for review by Commissioner, active, https://georgiacommons.org/code/33-24-45.md
- 33-24-46, Cancellation or nonrenewal of certain property insurance policies, active, https://georgiacommons.org/code/33-24-46.md
- 33-24-47, Notice required of termination or nonrenewal, increase in premium rates, or change restricting or reducing coverage; failure of insurer to comply, active, https://georgiacommons.org/code/33-24-47.md
- 33-24-47.1, Notice prior to cancellation or nonrenewal of individual or group accident and sickness policy, active, https://georgiacommons.org/code/33-24-47.1.md
- 33-24-48, Acceptance of surety insurance companies as sureties upon bonds of persons or corporations; rights and liabilities of corporate sureties, active, https://georgiacommons.org/code/33-24-48.md
- 33-24-49, Deposit of funds covered by bonds, active, https://georgiacommons.org/code/33-24-49.md
- 33-24-50, Action as sureties upon guaranteed arrest bond certificates; acceptance of certificates, active, https://georgiacommons.org/code/33-24-50.md
- 33-24-51, Purchase of insurance covering injuries resulting from governmental ownership and use of motor vehicles; waiver of governmental immunity; limitation of liabilities, active, https://georgiacommons.org/code/33-24-51.md
- 33-24-52, Direct response insurance business, active, https://georgiacommons.org/code/33-24-52.md
- 33-24-53, Solicitation, release, or sale of automobile accident information prohibited; definitions; exceptions; penalties, active, https://georgiacommons.org/code/33-24-53.md
- 33-24-54, Payments to nonparticipating or nonpreferred providers of health care services, active, https://georgiacommons.org/code/33-24-54.md
- 33-24-55, Health insurance; recovery rights of state for payments made under Medicaid; rights of children to coverage; requirements for insurers under orders to provide coverage, active, https://georgiacommons.org/code/33-24-55.md
- 33-24-56, Prohibition against requiring referral from primary care physician to dermatologist, active, https://georgiacommons.org/code/33-24-56.md
- 33-24-56.1, Reimbursement of medical expense or disability benefit providers in personal injury cases; subrogation prohibited; notice, active, https://georgiacommons.org/code/33-24-56.1.md
- 33-24-56.2, Surveillance tests for ovarian cancer, active, https://georgiacommons.org/code/33-24-56.2.md
- 33-24-56.3, Colorectal cancer screening and testing, active, https://georgiacommons.org/code/33-24-56.3.md
- 33-24-56.4, Short title; definitions; payment for telehealth services, active, https://georgiacommons.org/code/33-24-56.4.md
- 33-24-56.5, Health benefit policy to provide coverage for orally administered chemotherapy for the treatment of cancer; definitions, active, https://georgiacommons.org/code/33-24-56.5.md
- 33-24-57, Health insurance; provision that coverage cannot be terminated due to individual claims experience required, active, https://georgiacommons.org/code/33-24-57.md
- 33-24-57.1, Health insurance identification card; issue required; contents; updating; social security numbers not to be displayed, active, https://georgiacommons.org/code/33-24-57.1.md
- 33-24-58, Newborn Baby and Mother Protection Act; short title, active, https://georgiacommons.org/code/33-24-58.md
- 33-24-58.1, Newborn Baby and Mother Protection Act; legislative findings and declaration, active, https://georgiacommons.org/code/33-24-58.1.md
- 33-24-58.2, Newborn Baby and Mother Protection Act; minimum health benefit policy coverage; prohibited actions by insurance providers; required notice to mother, active, https://georgiacommons.org/code/33-24-58.2.md
- 33-24-59, Women’s access to health care; health insurance; provision disclosing insured’s right to direct access to obstetricians and gynecologists required, active, https://georgiacommons.org/code/33-24-59.md
- 33-24-59.1, Coverage for treatment of dependent children with cancer, active, https://georgiacommons.org/code/33-24-59.1.md
- 33-24-59.2, Coverage for equipment and self-management training for individuals with diabetes; enforcement, active, https://georgiacommons.org/code/33-24-59.2.md
- 33-24-59.3, Payments sent directly to health care provider by insurer, active, https://georgiacommons.org/code/33-24-59.3.md
- 33-24-59.4, Confidentiality of medical information obtained from pharmacies; restrictions on release of information; penalty for violation, active, https://georgiacommons.org/code/33-24-59.4.md
- 33-24-59.5, Definitions; timely payment of health benefits; notification of failure to pay; penalties; applicability, active, https://georgiacommons.org/code/33-24-59.5.md
- 33-24-59.6, Prescribed female contraceptive drugs or devices; insurance coverage, active, https://georgiacommons.org/code/33-24-59.6.md
- 33-24-59.7, Coverage for the treatment of morbidly obese patients; short title; legislative findings; adoption of rules and regulations by Commissioner, active, https://georgiacommons.org/code/33-24-59.7.md
- 33-24-59.8, Coverage for prescription inhalers; no restriction on the number of days before obtaining a refill as prescribed, active, https://georgiacommons.org/code/33-24-59.8.md
- 33-24-59.9, Registered nurse first assistants, active, https://georgiacommons.org/code/33-24-59.9.md
- 33-24-59.10, Coverage for autism, active, https://georgiacommons.org/code/33-24-59.10.md
- 33-24-59.11, Insurance coverage for prescription drugs used in manner different than use authorized by FDA, active, https://georgiacommons.org/code/33-24-59.11.md
- 33-24-59.12, Patient access to eye care, active, https://georgiacommons.org/code/33-24-59.12.md
- 33-24-59.13, Exemptions from certain unfair trade practices for certain wellness and health improvement programs; incentives, active, https://georgiacommons.org/code/33-24-59.13.md
- 33-24-59.14, Definitions; prompt pay requirements; penalties, active, https://georgiacommons.org/code/33-24-59.14.md
- 33-24-59.15, Definitions; dental insurance; prohibited activities, active, https://georgiacommons.org/code/33-24-59.15.md
- 33-24-59.16, Equal access to child’s health insurance information; exceptions, active, https://georgiacommons.org/code/33-24-59.16.md
- 33-24-59.17, Coverage of certain abortions through certain qualified health plans prohibited; definitions, active, https://georgiacommons.org/code/33-24-59.17.md
- 33-24-59.18, Coverage for treatment of a terminal condition, active, https://georgiacommons.org/code/33-24-59.18.md
- 33-24-59.19, Coverage for treatment of burns with skin substitutes utilizing cryopreserved cadaver derived skin tissue, active, https://georgiacommons.org/code/33-24-59.19.md
- 33-24-59.20, Access to stage four advanced, metastatic cancer treatments in health benefit plans, active, https://georgiacommons.org/code/33-24-59.20.md
- 33-24-59.21, Health plans to provide coverage for hearing aids for certain individuals; frequency of replacement; coverage of services and supplies; options for higher priced devices, active, https://georgiacommons.org/code/33-24-59.21.md
- 33-24-59.22, Prescription drug program defined; cost sharing; denial of coverage; dispensing fees, active, https://georgiacommons.org/code/33-24-59.22.md
- 33-24-59.23, Carrier issuing health benefit plans to pay insurance agent’s commissions; regulation, active, https://georgiacommons.org/code/33-24-59.23.md
- 33-24-59.24, Restrictions on payment methods prohibited; waiver of provisions prohibited; enforcement, active, https://georgiacommons.org/code/33-24-59.24.md
- 33-24-59.25, Establishment by health benefit plans of step therapy protocols; exception process; time requirements; appeals; construction; application, active, https://georgiacommons.org/code/33-24-59.25.md
- 33-24-59.26, Limitation on definition of ‘‘preexisting condition’’, active, https://georgiacommons.org/code/33-24-59.26.md
- 33-24-59.27, Right to shop for insurance coverage; disclosure of pricing information; notice, active, https://georgiacommons.org/code/33-24-59.27.md
- 33-24-59.28, Insurer obligations for early prescription refills during emergencies, active, https://georgiacommons.org/code/33-24-59.28.md
- 33-24-59.29, Copayments, active, https://georgiacommons.org/code/33-24-59.29.md
- 33-24-59.30, Requirements for health insurance issuer for anatomical gifts or organ transplants; medically inappropriate organ transplants, active, https://georgiacommons.org/code/33-24-59.30.md
- 33-24-59.31, When a value-added product or service is not an unfair trade practice or unlawful inducement, active, https://georgiacommons.org/code/33-24-59.31.md
- 33-24-59.32, Cost-sharing requirements for diagnostic and supplemental breast screening examinations, active, https://georgiacommons.org/code/33-24-59.32.md
- 33-24-59.33, Required coverage for biomarker testing, active, https://georgiacommons.org/code/33-24-59.33.md
- 33-24-59.34, Required medical coverage for standard fertility preservation services, active, https://georgiacommons.org/code/33-24-59.34.md
- 33-24-59.35, Required coverage orthotic devices and prosthetic devices; reporting; regulation, active, https://georgiacommons.org/code/33-24-59.35.md
- 33-24-59.36, Required coverage for healthcare services for PANDAS or PANS, active, https://georgiacommons.org/code/33-24-59.36.md
- 33-24-60, Short title, active, https://georgiacommons.org/code/33-24-60.md
- 33-24-61, Legislative findings and intent, active, https://georgiacommons.org/code/33-24-61.md
- 33-24-62, ‘‘Health insurance benefit bill’’ defined, active, https://georgiacommons.org/code/33-24-62.md
- 33-24-63, Review of health insurance benefit bill by General Assembly; Commissioner to issue report on bill, active, https://georgiacommons.org/code/33-24-63.md
- 33-24-64, Contents of report by Commissioner on health insurance benefit bills, active, https://georgiacommons.org/code/33-24-64.md
- 33-24-65, Public hearing, active, https://georgiacommons.org/code/33-24-65.md
- 33-24-66, Evidence, testimony, and information necessary to prepare report under Code Section 33-24-63; time period for issuing of reports on bill, active, https://georgiacommons.org/code/33-24-66.md
- 33-24-67, Rules and regulations, active, https://georgiacommons.org/code/33-24-67.md
- 33-24-70, Short title, active, https://georgiacommons.org/code/33-24-70.md
- 33-24-71, Legislative findings, active, https://georgiacommons.org/code/33-24-71.md
- 33-24-72, Mastectomy; lymph node dissection; coverage for inpatient care and follow-up visits required by health insurers; notice to policyholders, active, https://georgiacommons.org/code/33-24-72.md
- 33-24-90, Definitions, active, https://georgiacommons.org/code/33-24-90.md
- 33-24-91, Use of credit information to underwrite or rate risks, active, https://georgiacommons.org/code/33-24-91.md
- 33-24-92, Disputed items in credit report, active, https://georgiacommons.org/code/33-24-92.md
- 33-24-93, Disclosure by insurer of use of credit information, active, https://georgiacommons.org/code/33-24-93.md
- 33-24-94, Adverse action based on credit information; notice to consumer, active, https://georgiacommons.org/code/33-24-94.md
- 33-24-95, Filing scoring models with Commissioner; confidential nature of filing, active, https://georgiacommons.org/code/33-24-95.md
- 33-24-96, Insurer obligation to indemnify and defend agents, active, https://georgiacommons.org/code/33-24-96.md
- 33-24-97, Consumer reporting agency disclosure of insurance information; applicability to motor vehicle reports, active, https://georgiacommons.org/code/33-24-97.md
- 33-24-98, Use of insurance scores permitted, active, https://georgiacommons.org/code/33-24-98.md