Okla. Stat. tit. 36, § 36-4402: Accident and health policies; filing

On and after the effective date of this Code no policy of

insurance against loss or expense from the sickness, or from the

bodily injury or death of the insured by accident shall be issued or

delivered to any person in this state, nor shall any application,

rider or endorsement be used in connection therewith until a copy of

the form thereof, and of the classification of risks, and the

premium rates pertaining thereto, have been filed with the Insurance

Commissioner. If the Insurance Commissioner disapproves the policy,

application, rider or endorsement form, said Commissioner shall make

a written decision stating the reason or reasons therefor, and shall

deliver a copy thereof to the company, and it shall be unlawful for

any such insurer to use any such form in the state. Any such

insurer shall have twenty (20) days from the date of receipt of the

notice of disapproval in which to request a hearing on such

disapproval.