14VAC5-180-40: Definitions

As used in this chapter:

"Adverse underwriting decision" means any of the following actions with respect to insurance transactions involving insurance coverage that is individually underwritten:

1. A declination of insurance coverage,

2. A termination of insurance coverage,

3. Failure of an agent to apply for insurance coverage with a specific institution that an agent represents and that is requested by an applicant,

4. An offer to insure at higher than standard rates, or with limitations or exceptions or benefits other than those applied for.

"AIDS" means acquired immunodeficiency syndrome as defined by the Centers for Disease Control of the United States Public Health Service.

"HIV" means the human immunodeficiency virus.

"HIV-related test" means a test for exposure to or infection with HIV, including antibody tests such as the ELISA or Western Blot assays, or any future valid test approved by the Commission.

"Insurance" means any coverage provided by an insurer.

"Insurer" means any insurance company, health services plan, or health maintenance organization licensed in this Commonwealth.