hawaii small business regulatory review board - Legislative ...

stimulate Hawaii’s economic development and create and sustain new jobs.
Further for every state dollar invested in the program, more than $11.00 in
federal funds has been returned.
Department of Commerce and Consumer Affairs
Insurance Division
1. HAR Title 16 Chapter 5 – Mass Merchandizing of [Motor Vehicle] Insurance
Justification – This chapter provides guidelines for the implementation of
insurance sales to a group of employees of an employer. The adoption of rules
is mandated by statute and it has not been amended since its adoption in 1981.
2. HAR Title 16 Chapter 6 – Credit Life and Credit Disability Insurance
Justification – This chapter is intended to protect the interests of debtors and the
general public by regulating the rates, policy forms, and transaction of credit file
and credit disability insurance. The last amendment to this chapter occurred in
1988.
3. HAR Title 16 Chapter 7 – Hawaii Medical Malpractice Underwriting Plan
Justification – This chapter supports the requirement for a contingent medical
malpractice underwriting plan. The Insurance Commissioner activates the plan if
medical malpractice insurance is not readily available to the majority of
physicians and hospitals. This chapter has not been amended after its adoption
in 1981.
4. HAR Title 16 Chapter 16 – Mental Health, Alcohol, and Drug Abuse
Treatment Insurance Benefits
Justification – The purposes of this chapter are to establish guidelines for
determining when mental health and substance abuse treatment services are
eligible for reimbursement, to establish an appeals process, and to create criteria
for determining when a health maintenance organization meets the conditions
and requirements of Hawaii Revised Statutes, section 431M-5. These rules
affect all individual and group health and hospital insurance plans. This chapter
has not been amended since its adoption in 1991.
5. HAR Title 16 Chapter 23 – Motor Vehicle Insurance Law
Justification – This chapter is necessary for continued implementation and
effective regulation of the motor vehicle insurance industry. The statute and
rules affect insurers, policyholders, and claimants. This chapter is in the process
of amendment. The Small Business Regulatory Review Board has reviewed the
proposal and it is pending Governor’s approval to proceed to public hearing.
6. HAR Title 16 Chapter 171 – Miscellaneous Insurance Rules
Justification – This chapter is concerned with several topics. Only Subchapter 3
Licensing Requirements would affect small business. It prescribed the
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