Texas Insurance Code 545.052 – Nondiscriminatory Basis Required
Current as of: 2024 | Check for updates
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(a) An issuer that requests or requires applicants to take an HIV-related test must request or require the test on a nondiscriminatory basis.
(b) An issuer may require an applicant to take an HIV-related test only if:
(1) the test is based on the applicant’s current medical condition or medical history; or
(2) underwriting guidelines for the coverage amounts require all applicants in the risk class to be tested.
Terms Used In Texas Insurance Code 545.052
- Beneficiary: A person who is entitled to receive the benefits or proceeds of a will, trust, insurance policy, retirement plan, annuity, or other contract. Source: OCC
(c) In determining who will be requested or required to take an HIV-related test, an issuer may not use the marital status, occupation, sex, beneficiary designation, or territorial classification, including zip code, of an applicant.