HRS §431:10-211
What insurance policies must say
This section lists what an insurance policy must include, like who is covered, what is insured, and the premium. It also says the insurer must give premium details if the final amount is only known later. It does not apply to surety or group insurance.
everyone
The statute, as written — Content of policies in general
(a) A policy shall specify: (1) The names of the parties to the contract. The insurer's name shall be clearly shown in the policy; (2) The subject of the insurance; (3) The risks insured against and the amount of insurance; (4) The time at which the insurance under the policy takes effect, and the period during which the insurance is to continue or the method of determining the period; (5) A statement of the premium or premium rate; and (6) The conditions pertaining to the insurance. (b) If under the contract the exact amount of premiums is determinable only at termination of the contract or at periodic intervals of the contract, a statement of the basis and rates upon which the final premium is to be determined and paid shall be furnished any policy examining bureau having jurisdiction or to the insured upon request. (c) This section shall not apply to surety insurance or to group insurance contracts.
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