# 18 Del. Admin. Code § 1309: 18 DE Admin. Code 1309. Non-cancelable and Guaranteed Renewable Group Health Terminology Defined [Formerly Regulation 76] > Delaware · Regulations · In force URL: https://www.frixlaw.com/law-library/statutes/STATE_DE_ADC_T18_1309 ## Section - **Citation:** 18 Del. Admin. Code § 1309 - **Heading:** 18 DE Admin. Code 1309. Non-cancelable and Guaranteed Renewable Group Health Terminology Defined [Formerly Regulation 76] - **Jurisdiction:** Delaware - **Kind:** Regulations - **Status:** In force - **Text as of:** August 14, 2026 - **Source:** Compiled text - **Location:** Delaware Administrative Code / Title 18 Insurance / 1300 Health Insurance General Provisions / 18 DE Admin. Code 1309 ## Text Title 18 Insurance 1300 Health Insurance General Provisions 1309 Non-cancelable and Guaranteed Renewable Group Health Terminology Defined [Formerly Regulation 76] 1.0 Authority This regulation has been adopted and promulgated in accordance with 18 Del.C. 314 , which provides authority for the Commissioner to establish reasonable rules and regulations for the implementation of any provisions of the Delaware Insurance Code. 2.0 Purpose The purpose of this regulation is to define the terminology for Guaranteed Renewable/Non-Cancelable Group Health Insurance Policies. 3.0 Applicability and Scope This regulation will apply to all group health insurance contracts providing benefits solely for retirees and their eligible dependents delivered in this State on or after the effective date of this regulation. The definitions in this section shall not apply to Small Employer Groups, Medicare or individual health policies. 4.0 Non-cancelable or non-cancelable and guaranteed renewable group health policy defined 4.1 The terms "non-cancelable" or "non-cancelable guaranteed renewable" may be used only in a group health policy under which the policyholder has the right to continue coverage in force as to each covered person by the timely payment of premiums set forth in the policy (1) until that covered person has reached at least age 50, or (2) in the case of coverage becoming effective as to a covered person after age 44, for at least five years from the date coverage becomes effective, during which period the insurer has no right to make unilaterally any change in any provision of the policy as to that covered person while the policy is in force s set forth in the policy (1) until that covered person has reached at least age 50, or (2) in the case of coverage becoming effective as to a covered person after age 44, for at least five years from the date coverage becomes effective, during which period the insurer has no right to make unilaterally any change in any provision of the policy as to that covered person while the policy is in force. 5.0 Guaranteed renewable group health policies defined 5.1 Except as provided above, the term "guaranteed renewal" may be used only in a group health policy under which the policyholder has the right to continue coverage in force as to any covered person by the timely payment of premiums (1) until that covered person has reached at least age 50, or (2) in the case of coverage becoming effective as to a covered person after age 44, for at least five years from the date coverage becomes effective, during which period the insurer has no right to make unilaterally any change in any provision of the policy as to that covered person while the policy is in force, except that the insurer may make changes in premium rates by classes. 5.2 The foregoing limitation on the use of the term "non-cancelable" shall also apply to any synonymous term such as "guaranteed continuable." 5.3 Nothing herein contained is intended to restrict the development of policies having other guarantees of renewability, to prevent the accurate description of their terms of renewability or the classification of such policies as guaranteed renewable or non-cancelable for any period during which they may actually be such, provided the terms used to describe them in policy contracts and advertising are not such as may readily be confused with the above terms. ## Nearby sections - [18 Del. Admin. Code § 1301 18 DE Admin. Code 1301. Internal Review and Independent Utilization Review of Health Insurance Claims](https://www.frixlaw.com/law-library/statutes/STATE_DE_ADC_T18_1301.md) - [18 Del. Admin. Code § 1302 18 DE Admin. Code 1302. Accident and Sickness Insurance Advertisements [Formerly Regulation 12]](https://www.frixlaw.com/law-library/statutes/STATE_DE_ADC_T18_1302.md) - [18 Del. Admin. Code § 1303 18 DE Admin. Code 1303. Individual Accident and Health Minimum Loss Ratio Standards [Formerly Regulation 42]](https://www.frixlaw.com/law-library/statutes/STATE_DE_ADC_T18_1303.md) - [18 Del. Admin. Code § 1304 18 DE Admin. Code 1304. Individual Accident and Sickness Insurance Minimum Standards Act [Formerly Regulation 46]](https://www.frixlaw.com/law-library/statutes/STATE_DE_ADC_T18_1304.md) - [18 Del. Admin. Code § 1305 18 DE Admin. Code 1305. Rate Filing Procedures for Health Insurers and Health Service Corporations and Managed Care Organizations](https://www.frixlaw.com/law-library/statutes/STATE_DE_ADC_T18_1305.md) - [18 Del. Admin. Code § 1306 18 DE Admin. Code 1306. Certificate and Standards for Health Plans or Policies [Formerly Regulation 60]](https://www.frixlaw.com/law-library/statutes/STATE_DE_ADC_T18_1306.md) - [18 Del. Admin. Code § 1307 18 DE Admin. Code 1307. Group Coordination Benefits [Formerly Regulation 61]](https://www.frixlaw.com/law-library/statutes/STATE_DE_ADC_T18_1307.md) - [18 Del. Admin. Code § 1308 18 DE Admin. Code 1308. Small Employer Health Insurance [Formerly Regulation 72]](https://www.frixlaw.com/law-library/statutes/STATE_DE_ADC_T18_1308.md) - [18 Del. Admin. Code § 1309 18 DE Admin. Code 1309. Non-cancelable and Guaranteed Renewable Group Health Terminology Defined [Formerly Regulation 76]](https://www.frixlaw.com/law-library/statutes/STATE_DE_ADC_T18_1309.md) - [18 Del. Admin. Code § 1310 18 DE Admin. Code 1310. Standards for Prompt, Fair and Equitable Settlement of Claims for Health Care Services](https://www.frixlaw.com/law-library/statutes/STATE_DE_ADC_T18_1310.md) - [18 Del. Admin. Code § 1311 18 DE Admin. Code 1311. Standards of Payment for Multiple Surgical Procedures [Formerly Regulation 82]](https://www.frixlaw.com/law-library/statutes/STATE_DE_ADC_T18_1311.md) - [18 Del. Admin. Code § 1312 18 DE Admin. Code 1312. Standards of payment for Assistants at Surgery [Formerly Regulation 83]](https://www.frixlaw.com/law-library/statutes/STATE_DE_ADC_T18_1312.md) - [18 Del. Admin. Code § 1313 18 DE Admin. Code 1313. Arbitration of Health Insurance Disputes Between Carriers and Providers](https://www.frixlaw.com/law-library/statutes/STATE_DE_ADC_T18_1313.md) - [18 Del. Admin. Code § 1314 18 DE Admin. Code 1314. Health Premium Consumer Comparison](https://www.frixlaw.com/law-library/statutes/STATE_DE_ADC_T18_1314.md) --- Source: Frix Law Library, https://www.frixlaw.com/law-library/statutes/STATE_DE_ADC_T18_1309. Check the current official text before relying on it. Not legal advice.