The Vermont Statutes Online
The Statutes below include the actions of the 2025 session of the General Assembly.
NOTE: The Vermont Statutes Online is an unofficial copy of the Vermont Statutes Annotated that is provided as a convenience.
Title 8 : Banking and Insurance
Chapter 107 : Health Insurance
Subchapter 002 : POLICY FORMS AND FILING REQUIREMENTS
(Cite as: 8 V.S.A. § 4037)-
§ 4037. Applications for insurance
(a)(1) A covered individual shall not be bound by any statement made in an application for a policy unless a copy of the application is attached to or endorsed on the policy as a part of the policy when issued.
(2) If a policy delivered or issued for delivery to any person in this State is reinstated or renewed and the covered individual or assignee of the policy makes a written request to the health insurer for a copy of the application, if any, for such reinstatement or renewal, the health insurer shall deliver or mail a copy of the application to the individual making the request within 15 days after the receipt of the request. If the health insurer does not deliver or mail the copy within 15 days, the health insurer shall be precluded from introducing the application as evidence in any action or proceeding based on or involving the policy or its reinstatement or renewal.
(b) No alteration of a written application for a policy shall be made by any person other than the applicant without the applicant’s written consent, except that insertions may be made by the health insurer, for administrative purposes only, in a manner that indicates clearly that the insertions are not to be ascribed to the applicant.
(c) The falsity of any statement in an application for a policy shall not bar the right to recovery under the policy unless the false statement materially affected either the acceptance of the risk or the hazard assumed by the health insurer. (Recodified and amended 2025, No. 11, § 2, eff. September 1, 2025.)
