(a) The premium charged to an insured shall not increase due to either:

Terms Used In Hawaii Revised Statutes 431:10H-207

  • Policy: means , for the purposes of this article, any policy, contract, subscriber agreement, rider, or endorsement delivered or issued for delivery in this State by an insurer; fraternal benefit society; nonprofit health, hospital, or medical service corporation; prepaid health plan; health maintenance organization; or any similar organization. See Hawaii Revised Statutes 431:10H-104
(1) Increasing age of the insured at ages beyond sixty-five; or
(2) The duration the insured has been covered under the policy.
(b) The purchase of additional coverage shall not be considered a premium rate increase, but for purposes of the calculation required under § 431:10H-233, the portion of the premium attributable to the additional coverage shall be added to and considered part of the initial annual premium.
(c) A reduction of benefits shall not be considered a premium change, but for purpose of calculation required under § 431:10H-233, the initial annual premium shall be based on reduced benefits.

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