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631.90(2)(2) With for to plans issued or fix up on and after July 20, 1985, one insurer may not do any kind of of the following:
631.90(2)(a)(a) need or request directly or indirectly any kind of individual to reveal whether the individual has obtained an HIV test or what the results of this test, if derived by the individual, were.

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631.90(2)(b)(b) problem the provision of insurance coverage on whether an separation, personal, instance has derived an HIV check or what the results of this test, if obtained by the individual, were.
631.90(2)(c)(c) consider in the determination of rates or any other element of insurance money coverage listed to one individual even if it is an separation, personal, instance has obtained an HIV check or what the outcomes of this test, if acquired by the individual, were.
631.90(3)(a)(a) Subsection (2) go not apply with regard come an HIV test for use in the underwriting of separation, personal, instance life, accident and health insurance policies that the commissioner finds and designates by preeminence as sufficiently trusted for usage in the underwriting of separation, personal, instance life, accident and also health insurance policies.
631.90(3)(b)(b) paragraph (a) does no authorize the usage of an HIV test to discriminate in violation that s. 628.34 (3).
631.90 HistoryHistory: 1985 a. 29, 73; 1987 a. 70 ss. 34, 36; 1989 a. 201 ss. 31, 36; 1995 a. 27 s. 9126 (19); 2007 a. 20 s. 9121 (6) (a); 2009 a. 209.
631.93(1)(1) Definitions. In this section, “HIV infection" means the pathological state created by a human body in solution to the visibility of HIV, as identified in s. 631.90 (1).
631.93(2)(2) Accident and health insurance. An accident or wellness insurance policy may not contain exclusions or limitations, including deductibles or copayments, because that coverage the the therapy of HIV infection or any illness or medical condition occurring from or related to HIV infection, unless the exclude, or limitations use generally to various other illnesses or medical conditions covered by the policy.
631.93(3)(3) Life insurance. A life insurance policy may not deny or limit benefits solely due to the fact that the insured"s death is caused, directly or indirectly, through HIV infection or any kind of illness or medical condition occurring from or concerned HIV infection.
631.95(2)(2) General prohibitions. Other than as listed in sub. (3), an insurer might not do any of the following:
631.95(2)(a)(a) Refuse to administer or renew coverage come a person, or publication a person"s coverage, under an individual or team insurance policy or a certificate of group insurance ~ above the basis the the person has been, or the insurer has actually reason to think that the person is, a victim of abuse or domestic abuse or the a member the the person"s family members has been, or the insurer has reason to think that a member the the person"s family is, a victim that abuse or residential abuse.
631.95(2)(b)(b) Refuse to administer or renew coverage come an employee or other group, or publication an employer"s or various other group"s coverage, under a group insurance plan on the basis that an employee or other group member has actually been, or the insurer has actually reason to believe that one employee or other team member is, a victim that abuse or residential abuse or that a member of one employee"s or other team member"s family members has been, or the insurer has actually reason to believe that a member of one employee"s or other group member"s household is, a victim that abuse or residential abuse.
631.95(2)(c)(c) usage as a aspect in the decision of rates or any other facet of insurance coverage under an separation, personal, instance or group insurance plan or a certificate of group insurance the knowledge or hesitation that a human being or an employee or other group member has actually been or is a victim the abuse or domestic abuse or the a member of the person"s or an employee"s or other group member"s family members has to be or is a victim the abuse or domestic abuse.
631.95(2)(d)(d) Under an individual or group disability insurance plan or a certificate that group handicap insurance, exclude, or limit coverage of, or refuse a case for, health treatment services or items pertained to the therapy of injury or condition resulting native abuse or domestic abuse top top the basis that a person or one employee or other group member has been, or the insurer has reason to think that a human being or an employee or other team member is, a victim that abuse or domestic abuse or that a member that the person"s or an employee"s or other team member"s household has been, or the insurer has reason to think that a member of the person"s or an employee"s or other team member"s household is, a victim the abuse or domestic abuse.
631.95(2)(e)(e) Under an separation, personal, instance or group life insurance plan or a certificate of team life insurance, refuse or limit benefits in the occasion that the death of the person whose life is insured results from abuse or domestic abuse top top the basis the the person whose life is insured has actually been, or the insurer has actually reason to believe that the human being whose life is insured is, a victim that abuse or domestic abuse or that a member the the household of the person whose life is insured has actually been, or the insurer has reason to believe that a member of the family of the human whose life is insured is, a victim that abuse or residential abuse.
631.95(2)(f)(f) Under building insurance coverage that excludes coverage for loss or damages to property resulting indigenous intentional acts, deny payment to an insured because that a claim based upon property ns or damage resulting from an act, or pattern, the abuse or domestic abuse if that insured did not cooperate in or add to the production of the lose or damage and also if the person who cursed the act or action that resulted in the ns or damages is criminally prosecuted because that the plot or acts. Payment come the chaste insured might be limited in accordance through his or she ownership attention in the residential property or decreased by payment to a mortgagee or other holder the a secured interest.
631.95(3)(a)(a) impairment insurance. In developing premiums because that an individual or group handicap insurance policy or a certificate of group disability insurance, an insurer might inquire about a person"s existing medical condition and, based on the opinion of a qualified actuary, as defined in s. 623.06 (1) (h), use information related come a person"s existing clinical condition, nevertheless of even if it is that condition is or may have actually been led to by abuse or residential abuse.
631.95(3)(b)(b) Life insurance. Through respect come an individual or team life insurance plan or a certificate of team life insurance, an insurer may, top top the communication of details in medical, law enforcement or court records, or ~ above the communication of information listed by the insured, policyholder or applicant because that insurance, do any of the following:
631.95(3)(b)1.1. Refuse or limit benefits under such a policy or certificate to a beneficiary that is the perpetrator that abuse or residential abuse that outcomes in the fatality of the insured.
631.95(3)(b)2.2. Refuse to issue such a plan or certificate the names together a beneficiary a person who is or was, or that the insurer has actually reason to believe is or was, a perpetrator of abuse or domestic abuse versus the person who is to it is in the insured under the policy.
631.95(3)(b)3.3. Refuse to name together a beneficiary under such a policy or certificate a human who is or was, or who the insurer has actually reason to think is or was, a perpetrator of abuse or residential abuse against the insured under the policy.
631.95(3)(b)4.4. Refuse to worry such a policy or certificate come a human who is or was, or who the insurer has reason to believe is or was, a perpetrator of abuse or domestic abuse versus the human who is to it is in the insured under the policy.
631.95(3)(b)5.5. Refuse to concern such a policy or certificate come a human being who lacks an insurable interest in the person who is to be the insured under the policy.
631.95(3)(b)6.6. For purposes of underwriting; administering a insurance claim under; or identify a person"s eligibility because that coverage, a benefit or payment under; together a policy or certificate; or for purposes of servicing together a plan or certificate or an application for together a plan or certificate; inquire about and use info related to a person"s medical background or existing clinical condition, nevertheless of even if it is that condition is or may have been brought about by abuse or residential abuse. Any kind of adverse underwriting decision based upon a person"s medical background or medical problem must it is in made in conformity with sound actuarial principles or otherwise sustained by really or fairly anticipated experience.
631.95(3)(c)(c) special needs income or long-term care insurance. With respect to an individual or group disability income or long-term treatment insurance policy or a certificate that group impairment income or long-term treatment insurance, one insurer may, ~ above the communication of info in medical, sommos.netlation enforcement or court records, or on the communication of information provided by the insured, policyholder or applicant because that insurance, do any kind of of the following:
631.95(3)(c)1.1. Refuse to name as a beneficiary under such a policy or certificate a human being who is or was, or who the insurer has actually reason to believe is or was, a perpetrator of abuse or residential abuse versus the insured under the policy.
631.95(3)(c)2.2. Refuse to worry such a policy or certificate to a human who is or was, or that the insurer has actually reason to believe is or was, a perpetrator that abuse or residential abuse against the human who is to be the insured under the policy.
631.95(3)(c)3.3. Refuse to worry such a policy or certificate come a human being who lacks an insurable attention in the person who is to be the insured under the policy.
631.95(3)(c)4.4. For functions of underwriting; administering a insurance claim under; or determining a person"s eligibility because that coverage, a benefit or payment under; such a policy or certificate; or for objectives of servicing such a plan or certificate or an application for together a policy or certificate; inquire around and use details related come a person"s medical history or existing medical condition, regardless of even if it is that condition is or may have been resulted in by abuse or domestic abuse. Any type of adverse underwriting decision based upon a person"s medical background or medical condition must it is in made in conformity v sound actuarial principles or otherwise supported by really or fairly anticipated experience.
631.95(4)(4) Immunity because that insurers. One insurer is immune from any civil or criminal liability for any activity taken under sub. (3) or for the fatality of, or injury to, one insured that outcomes from abuse or domestic abuse.
631.95(5)(a)(a) other than as detailed in pars. (c) and (d) and sub. (3), no person employed by or contracting through an insurer might use, disclose or transfer details related to any kind of of the following:
631.95(5)(a)1.1. Even if it is an insured or applicant for insurance or a member that the insured"s or applicant"s family, or even if it is an employee or other group member of one insured or applicant because that insurance or a member that the employee"s or other team member"s family, is or has actually been, or is v reason thought by the human employed through or contracting through the insurer to it is in or to have been, a victim of abuse or domestic abuse.
631.95(5)(a)2.2. Whether an insured or applicant for insurance, or even if it is an employee or other team member of an insured or applicant for insurance, is a family members member or combine of, or in a relationship with, a human being who is or has actually been, or who the human being employed through or contracting v the insurer has reason to believe is or has actually been, a victim that abuse or domestic abuse.
631.95(5)(a)3.3. Whether an insured or an applicant because that insurance employs a person who is or has actually been, or that the human being employed through or contracting with the insurer has reason to believe is or has actually been, a victim of abuse or residential abuse.
631.95(5)(b)(b) except as listed in pars. (c) and (d), a person employed through or contracting v an insurer might not disclose or transfer details related come the telephone number or attend to or other ar of any of the adhering to individuals, if the human being knows the the separation, personal, instance is or has actually been, or has actually reason to think that the separation, personal, instance is or has been, a victim the abuse or domestic abuse:
631.95(5)(c)(c) Paragraphs (a) and also (b) execute not apply if the use, disclosure or move of the information is made v the consent that the individual to who the information relates or if the use, disclosure or deliver satisfies any of the following:
631.95(5)(c)2.2. Is because that a valid organization purpose, consisting of the disclosure or transport of the information to any kind of of the following:
631.95(5)(c)2.b.b. A party come a proposed or consummated sale, transfer, merger or consolidation of every or component of the organization of the insurer.
631.95(5)(c)2.c.c. Medical, underwriting or insurance claims personnel under contract or affiliated with the insurer.
631.95(5)(c)2.e.e. The policyholder or policyholder"s assignee as a result of distribution of the policy.
631.95(5)(c)4.4. Is compelled by a court bespeak or an bespeak of one entity v authority to manage insurance, or is otherwise compelled by law.

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631.95(5)(d)(d) naught in this subsection limits or precludes one insured or an applicant because that insurance, or one employee or other team member of an insured or applicant for insurance, native obtaining his or her very own insurance records from one insurer.