N.Y. Insurance Law § 4330: Discrimination because of sex or marital status in hospital, surgical or medical expense insurance

§ 4330. Discrimination because of sex or marital status in hospital,

surgical or medical expense insurance. (a) With regard to a contract

issued by a corporation subject to the provisions of this article that

provides hospital, surgical, or medical expense coverage or a contract

of student accident and health insurance, as defined in subsection (a)

of section three thousand two hundred forty of this chapter, no

corporation shall because of sex, marital status or based on pregnancy,

false pregnancy, termination of pregnancy, or recovery therefrom,

childbirth or related medical conditions:

(1) make any distinction or discrimination between persons as to the

premiums or rates charged for the contract or in any other manner

whatever;

(2) demand or require a greater premium from any person than it

requires at that time from others in similar cases;

(3) make or require any rebate, discrimination or discount upon the

amount to be paid or the service to be rendered on any contract;

(4) insert in the contract any condition, or make any stipulation,

whereby the insured binds his or herself, or his or her heirs,

executors, administrators or assigns, to accept any sum or service less

than the full value or amount of such contract in case of a claim

thereon except such conditions and stipulations as are imposed upon

others in similar cases; and any such stipulation or condition so made

or inserted shall be void;

(5) reject any application for a contract issued or sold by it;

(6) cancel or refuse to issue, renew or sell such contract after

appropriate application therefor;

(7) fix any lower rate or discriminate in the fees or commissions of

insurance agents or insurance brokers for writing or renewing such a

contract; or

(8) engage in sexual stereotyping.

(b) For purposes of this section, "sex" shall include sexual

orientation, gender identity or expression, and transgender status.