[First Reprint]

SENATE, No. 2173







By Senator SINAGRA



An Act concerning insurance information practices and supplementing P.L.1985, c.179 (C.17:23A-1 et seq.).


    Be It Enacted by the Senate and General Assembly of the State of New Jersey:


    1. An insurer who requires an applicant for insurance to submit to medical testing as a condition of issuing, extending or renewing the insurance 1[and who,] shall obtain the applicant's written consent for the test. If1 in the course of the testing 1the insurer1 determines that the applicant has a life threatening, reportable communicable disease, 1the insurer1 shall promptly notify the applicant 1[ and, when requested, the physician or other medical professional designated by the applicant,]1 of the determination. The insurer shall also promptly provide the 1[applicant or designated] Department of Health and Senior Services and a1 physician or other medical professional 1designated by the applicant1 with a copy of the results of the test 1[and an interpretation of the test results by a qualified professional]1.

    The insurer shall provide the notification required pursuant to this section regardless of whether the existence of the disease will result in an adverse underwriting decision for the applicant.

    For the purposes of this act, "reportable communicable disease" means those diseases required to be reported to the Department of Health and Senior Services pursuant to N.J.A.C.8:57-1.3 through 8:57-1.6 and N.J.A.C.8:57-2.2 and 8:57-2.3.


    2. The Commissioner of Banking and Insurance shall adopt regulations pursuant to the "Administrative Procedure Act," P.L.1968, c.410 (C.52:14B-1 et seq.) which establish procedures that insurers shall use to notify applicants of test results pursuant to this act.

    3. This act shall take effect immediately.





Requires insurers to notify applicants for insurance if applicant tests positive for a life threatening, reportable communicable disease.