New York Codes, Rules and Regulations (NYCRR)

Title 11 Part 52

Department of Financial Services

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Source versions current through Jul 31, 2021 - Oct 11, 2026 across sections

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11 NYCRR 52.1 - Earlier source heading: Preamble

Related State Register notice: Adopted rule DFS-49-24-00014-A. Published Apr 2, 2025. Notice effective date: Jul 31, 2025.

Source version current through Sep 30, 2021

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DFS-49-24-00014-A · Adopted rule
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Apr 2, 2025
Related notice effective date
Jul 31, 2025

Current section text is not available here.

11 NYCRR 52.2 - Earlier source heading: Definitions

Related State Register notice: Adopted rule DFS-49-24-00014-A. Published Apr 2, 2025. Notice effective date: Jul 31, 2025.

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DFS-49-24-00014-A · Adopted rule
Related notice published
Apr 2, 2025
Related notice effective date
Jul 31, 2025

Current section text is not available here.

11 NYCRR 52.5 - Basic hospital insurance

Related State Register notice: Proposed rule DFS-49-24-00014-P. Published Dec 4, 2024.

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11 NYCRR 52.6 - Basic medical insurance

Related State Register notice: Proposed rule DFS-49-24-00014-P. Published Dec 4, 2024.

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11 NYCRR 52.7 - Earlier source heading: Major medical insurance

Related State Register notice: Adopted rule DFS-49-24-00014-A. Published Apr 2, 2025. Notice effective date: Jul 31, 2025.

Source version current through Sep 30, 2021

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DFS-49-24-00014-A · Adopted rule
Related notice published
Apr 2, 2025
Related notice effective date
Jul 31, 2025

Current section text is not available here.

11 NYCRR 52.8 - Disability income insurance

Related State Register notice: Proposed rule DFS-49-24-00014-P. Published Dec 4, 2024.

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11 NYCRR 52.9 - Accident insurance

Related State Register notice: Proposed rule DFS-49-24-00014-P. Published Dec 4, 2024.

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11 NYCRR 52.10 - Limited benefits health insurance

Related State Register notice: Proposed rule DFS-49-24-00014-P. Published Dec 4, 2024.

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11 NYCRR 52.11 - Medicare supplement insurance

Related State Register notice: Proposed rule DFS-49-24-00014-P. Published Dec 4, 2024.

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11 NYCRR 52.12 - Long term care insurance

Related State Register notice: Proposed rule DFS-49-24-00014-P. Published Dec 4, 2024.

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Current section text is not available here.

11 NYCRR 52.13 - Nursing home insurance only, home care insurance only, or nursing home and home care insurance

Related State Register notice: Proposed rule DFS-49-24-00014-P. Published Dec 4, 2024.

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11 NYCRR 52.14 - Medicare select policies and certificates

Related State Register notice: Proposed rule DFS-49-24-00014-P. Published Dec 4, 2024.

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11 NYCRR 52.15 - Earlier source heading: Specified disease coverage

Related State Register notice: Adopted rule DFS-49-24-00014-A. Published Apr 2, 2025. Notice effective date: Jul 31, 2025.

Source version current through Sep 30, 2021

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DFS-49-24-00014-A · Adopted rule
Related notice published
Apr 2, 2025
Related notice effective date
Jul 31, 2025

Current section text is not available here.

11 NYCRR 52.16 - Prohibited provisions and coverages

Related State Register notice: Adopted rule DFS-12-24-00009-A. Published Jun 18, 2024. Notice effective date: Jun 18, 2024.

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Related Register notice
DFS-12-24-00009-A · Adopted rule
Related notice published
Jun 18, 2024
Related notice effective date
Jun 18, 2024

Current section text is not available here.

11 NYCRR 52.17 - Earlier source heading: Rules relating to content of forms for individual insurance

Related State Register notice: Adopted rule DFS-49-24-00014-A. Published Apr 2, 2025. Notice effective date: Jul 31, 2025.

Source version current through Sep 30, 2021

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Related Register notice
DFS-49-24-00014-A · Adopted rule
Related notice published
Apr 2, 2025
Related notice effective date
Jul 31, 2025

Current section text is not available here.

11 NYCRR 52.18 - Earlier source heading: Rules relating to content of forms for group insurance

Related State Register notice: Adopted rule DFS-49-24-00014-A. Published Apr 2, 2025. Notice effective date: Jul 31, 2025.

Source version current through Sep 30, 2021

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Related Register notice
DFS-49-24-00014-A · Adopted rule
Related notice published
Apr 2, 2025
Related notice effective date
Jul 31, 2025

Current section text is not available here.

11 NYCRR 52.19 - Rules relating to the content of forms for franchise insurance

Related State Register notice: Proposed rule DFS-49-24-00014-P. Published Dec 4, 2024.

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DFS-49-24-00014-P · Proposed rule
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Current section text is not available here.

11 NYCRR 52.20 - Earlier source heading: Rules relating to preexisting condition provisions and crediting requirements in policies which provide hospital, surgical or medical expense coverage

Related State Register notice: Adopted rule DFS-49-24-00014-A. Published Apr 2, 2025. Notice effective date: Jul 31, 2025.

Source version current through Sep 30, 2021

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Related Register notice
DFS-49-24-00014-A · Adopted rule
Related notice published
Apr 2, 2025
Related notice effective date
Jul 31, 2025

Current section text is not available here.

11 NYCRR 52.21 - Rules relating to content of forms for blanket insurance

Related State Register notice: Proposed rule DFS-49-24-00014-P. Published Dec 4, 2024.

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DFS-49-24-00014-P · Proposed rule
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Current section text is not available here.

11 NYCRR 52.22 - Earlier source heading: Volunteer firefighter enhanced cancer insurance

Related State Register notice: Adopted rule DFS-49-24-00014-A. Published Apr 2, 2025. Notice effective date: Jul 31, 2025.

Source version current through Sep 30, 2021

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DFS-49-24-00014-A · Adopted rule
Related notice published
Apr 2, 2025
Related notice effective date
Jul 31, 2025

Current section text is not available here.

11 NYCRR 52.23 - Coordination of benefits

Related State Register notice: Proposed rule DFS-49-24-00014-P. Published Dec 4, 2024.

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Current section text is not available here.

11 NYCRR 52.24 - Earlier source heading: Rules relating to coverage for the diagnosis and treatment of alcoholism and alcohol abuse in group (including group remittance policies issued by article 43 corporations) and school blanket health insurance policies

Related State Register notice: Adopted rule DFS-49-24-00014-A. Published Apr 2, 2025. Notice effective date: Jul 31, 2025.

Source version current through Sep 30, 2021

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Related Register notice
DFS-49-24-00014-A · Adopted rule
Related notice published
Apr 2, 2025
Related notice effective date
Jul 31, 2025

Current section text is not available here.

11 NYCRR 52.25 - Rules relating to the content and sale of forms for long term care insurance, nursing home insurance only, home care insurance only, and nursing home and home care insurance

Related State Register notice: Proposed rule DFS-49-24-00014-P. Published Dec 4, 2024.

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Dec 4, 2024

Current section text is not available here.

11 NYCRR 52.26 - Rules relating to exclusion of Medicare benefits

Related State Register notice: Proposed rule DFS-49-24-00014-P. Published Dec 4, 2024.

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Current section text is not available here.

11 NYCRR 52.27 - Rules relating to the sale of health insurance and settlement of health insurance claims

Related State Register notice: Proposed rule DFS-49-24-00014-P. Published Dec 4, 2024.

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Current section text is not available here.

11 NYCRR 52.28 - Earlier source heading: Medicare supplement insurance reporting form and refund calculation form

Related State Register notice: Adopted rule DFS-49-24-00014-A. Published Apr 2, 2025. Notice effective date: Jul 31, 2025.

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DFS-49-24-00014-A · Adopted rule
Related notice published
Apr 2, 2025
Related notice effective date
Jul 31, 2025

Current section text is not available here.

11 NYCRR 52.29 - Rules relating to the replacement of accident and health insurance coverage with individual long term care insurance, nursing home insurance only, home care insurance only, or nursing home and home care insurance policies and the purchase of multiple accident and health policies

Related State Register notice: Proposed rule DFS-49-24-00014-P. Published Dec 4, 2024.

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11 NYCRR 52.30 - Preliminary review

Related State Register notice: Proposed rule DFS-49-24-00014-P. Published Dec 4, 2024.

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11 NYCRR 52.31 - Preparation of forms for submission

Related State Register notice: Proposed rule DFS-49-24-00014-P. Published Dec 4, 2024.

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11 NYCRR 52.32 - Conditions for prefiled group coverage

Related State Register notice: Proposed rule DFS-49-24-00014-P. Published Dec 4, 2024.

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11 NYCRR 52.33 - Letter of submission

Related State Register notice: Proposed rule DFS-49-24-00014-P. Published Dec 4, 2024.

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11 NYCRR 52.40 - Procedures and requirements for filing of rates

Related State Register notice: Proposed rule DFS-49-24-00014-P. Published Dec 4, 2024.

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11 NYCRR 52.41 - Gross premium differentials based on sex

Related State Register notice: Proposed rule DFS-49-24-00014-P. Published Dec 4, 2024.

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11 NYCRR 52.42 - Earlier source heading: Health maintenance organization (HMO) contract forms and premium rates

Related State Register notice: Adopted rule DFS-49-24-00014-A. Published Apr 2, 2025. Notice effective date: Jul 31, 2025.

Source version current through Sep 30, 2021

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DFS-49-24-00014-A · Adopted rule
Related notice published
Apr 2, 2025
Related notice effective date
Jul 31, 2025

Current section text is not available here.

11 NYCRR 52.43 - Standards for maintaining experience data

Related State Register notice: Proposed rule DFS-49-24-00014-P. Published Dec 4, 2024.

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11 NYCRR 52.44 - Earlier source heading: Standards for annual filing of experience data

Related State Register notice: Adopted rule DFS-49-24-00014-A. Published Apr 2, 2025. Notice effective date: Jul 31, 2025.

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DFS-49-24-00014-A · Adopted rule
Related notice published
Apr 2, 2025
Related notice effective date
Jul 31, 2025

Current section text is not available here.

11 NYCRR 52.45 - Earlier source heading: Minimum loss ratio standards

Related State Register notice: Adopted rule DFS-49-24-00014-A. Published Apr 2, 2025. Notice effective date: Jul 31, 2025.

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DFS-49-24-00014-A · Adopted rule
Related notice published
Apr 2, 2025
Related notice effective date
Jul 31, 2025

Current section text is not available here.

11 NYCRR 52.46 - Earlier source heading: [Repealed[

Related State Register notice: Adopted rule DFS-49-24-00014-A. Published Apr 2, 2025. Notice effective date: Jul 31, 2025.

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DFS-49-24-00014-A · Adopted rule
Related notice published
Apr 2, 2025
Related notice effective date
Jul 31, 2025

Current section text is not available here.

11 NYCRR 52.47 - Monitoring of experience data submitted under section 52.44(a) of this Part

Related State Register notice: Proposed rule DFS-49-24-00014-P. Published Dec 4, 2024.

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11 NYCRR 52.51 - Applications

Related State Register notice: Adopted rule DFS-49-24-00014-A. Published Apr 2, 2025. Notice effective date: Jul 31, 2025.

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DFS-49-24-00014-A · Adopted rule
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Apr 2, 2025
Related notice effective date
Jul 31, 2025

Current section text is not available here.

11 NYCRR 52.52 - Demographic information to promote health equity

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11 NYCRR 52.53 - Conditional receipts and interim insurance agreements

Related State Register notice: Proposed rule DFS-49-24-00014-P. Published Dec 4, 2024.

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11 NYCRR 52.54 - Disclosure requirements

Related State Register notice: Adopted rule DFS-12-24-00009-A. Published Jun 18, 2024. Notice effective date: Jun 18, 2024.

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DFS-12-24-00009-A · Adopted rule
Related notice published
Jun 18, 2024
Related notice effective date
Jun 18, 2024

Current section text is not available here.

11 NYCRR 52.55 - Earlier source heading: Required disclosure statement for policies meeting standards of section 52.5 of this Part

Related State Register notice: Adopted rule DFS-49-24-00014-A. Published Apr 2, 2025. Notice effective date: Jul 31, 2025.

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DFS-49-24-00014-A · Adopted rule
Related notice published
Apr 2, 2025
Related notice effective date
Jul 31, 2025

Current section text is not available here.

11 NYCRR 52.56 - Required disclosure statement for policies meeting standards of section 52.6 of this Part

Related State Register notice: Proposed rule DFS-49-24-00014-P. Published Dec 4, 2024.

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11 NYCRR 52.57 - Earlier source heading: Required disclosure statement for policies meeting standards of both sections 52.5 and 52.6 of this Part

Related State Register notice: Adopted rule DFS-49-24-00014-A. Published Apr 2, 2025. Notice effective date: Jul 31, 2025.

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DFS-49-24-00014-A · Adopted rule
Related notice published
Apr 2, 2025
Related notice effective date
Jul 31, 2025

Current section text is not available here.

11 NYCRR 52.58 - Earlier source heading: Required disclosure statement for policies meeting standards of section 52.7 of this Part

Related State Register notice: Adopted rule DFS-49-24-00014-A. Published Apr 2, 2025. Notice effective date: Jul 31, 2025.

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DFS-49-24-00014-A · Adopted rule
Related notice published
Apr 2, 2025
Related notice effective date
Jul 31, 2025

Current section text is not available here.

11 NYCRR 52.59 - Required disclosure statement for policies meeting definition of section 52.10 of this Part

Related State Register notice: Proposed rule DFS-49-24-00014-P. Published Dec 4, 2024.

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11 NYCRR 52.60 - Required disclosure statement for policies meeting definition of section 52.8 of this Part

Related State Register notice: Proposed rule DFS-49-24-00014-P. Published Dec 4, 2024.

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Current section text is not available here.

11 NYCRR 52.61 - Required disclosure statement for policies meeting definition of section 52.9 of this Part

Related State Register notice: Proposed rule DFS-49-24-00014-P. Published Dec 4, 2024.

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11 NYCRR 52.62 - Required disclosure statement for policies meeting definition of section 52.10 of this Part

Related State Register notice: Proposed rule DFS-49-24-00014-P. Published Dec 4, 2024.

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11 NYCRR 52.63 - Extension of premium payment periods for individual, small group and student blanket comprehensive health insurance policies as a result of the COVID-19 pandemic; prohibited practices

Related State Register notice: Proposed rule DFS-49-24-00014-P. Published Dec 4, 2024.

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Related notice published
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Current section text is not available here.

11 NYCRR 52.64 - Earlier source heading: [Repealed]

Related State Register notice: Adopted rule DFS-49-24-00014-A. Published Apr 2, 2025. Notice effective date: Jul 31, 2025.

Source version current through Jul 31, 2021

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Dates and status
NYCRR title agency
Department of Financial Services
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Source version current through
Jul 31, 2021
Related Register notice
DFS-49-24-00014-A · Adopted rule
Related notice published
Apr 2, 2025
Related notice effective date
Jul 31, 2025

Current section text is not available here.

11 NYCRR 52.65 - Required disclosure statement for policies and certificates meeting definition of sections 52.12 and 52.13 of this Part

Related State Register notice: Adopted rule DFS-12-24-00009-A. Published Jun 18, 2024. Notice effective date: Jun 18, 2024.

Source version current through Jul 31, 2021

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Dates and status
NYCRR title agency
Department of Financial Services
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Source version current through
Jul 31, 2021
Related Register notice
DFS-12-24-00009-A · Adopted rule
Related notice published
Jun 18, 2024
Related notice effective date
Jun 18, 2024

Current section text is not available here.

11 NYCRR 52.66 - Required disclosure statement for policies and certificates meeting definition of section 52.15 of this Part

Related State Register notice: Proposed rule DFS-49-24-00014-P. Published Dec 4, 2024.

Source version current through Jul 31, 2021

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11 NYCRR 52.69 - Rules relating to the content of health insurance identification cards

Related State Register notice: Adopted rule DFS-12-24-00009-A. Published Jun 18, 2024. Notice effective date: Jun 18, 2024.

Source version current through Jul 31, 2021

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Dates and status
NYCRR title agency
Department of Financial Services
Section status
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Source version current through
Jul 31, 2021
Related Register notice
DFS-12-24-00009-A · Adopted rule
Related notice published
Jun 18, 2024
Related notice effective date
Jun 18, 2024

Current section text is not available here.

11 NYCRR 52.70 - Earlier source heading: Special rules for group, blanket and franchise insurance

Related State Register notice: Adopted rule DFS-49-24-00014-A. Published Apr 2, 2025. Notice effective date: Jul 31, 2025.

Source version current through Sep 30, 2021

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Dates and status
NYCRR title agency
Department of Financial Services
Section status
Section source receipt
Source version current through
Sep 30, 2021
Related Register notice
DFS-49-24-00014-A · Adopted rule
Related notice published
Apr 2, 2025
Related notice effective date
Jul 31, 2025

Current section text is not available here.

11 NYCRR 52.71 - Earlier source heading: Essential health benefits

Related State Register notice: Adopted rule DFS-49-24-00014-A. Published Apr 2, 2025. Notice effective date: Jul 31, 2025.

Source version current through Sep 30, 2021

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Dates and status
NYCRR title agency
Department of Financial Services
Section status
Section source receipt
Source version current through
Sep 30, 2021
Related Register notice
DFS-49-24-00014-A · Adopted rule
Related notice published
Apr 2, 2025
Related notice effective date
Jul 31, 2025

Current section text is not available here.

11 NYCRR 52.72 - Nondiscrimination on the basis of race, color, creed, national origin, sex, age, marital status, disability, or preexisting condition

Related State Register notice: Proposed rule DFS-49-24-00014-P. Published Dec 4, 2024.

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Related notice published
Dec 4, 2024

Current section text is not available here.

11 NYCRR 52.73 - Earlier source heading: Formulary exception process for medication for the detoxification or maintenance treatment of a substance use disorder

Related State Register notice: Adopted rule DFS-49-24-00014-A. Published Apr 2, 2025. Notice effective date: Jul 31, 2025.

Source version current through Sep 30, 2021

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Dates and status
NYCRR title agency
Department of Financial Services
Section status
Section source receipt
Source version current through
Sep 30, 2021
Related Register notice
DFS-49-24-00014-A · Adopted rule
Related notice published
Apr 2, 2025
Related notice effective date
Jul 31, 2025

Current section text is not available here.

11 NYCRR 52.74 - Coverage of contraceptive drugs, devices, or products

Related State Register notice: Proposed rule DFS-49-24-00014-P. Published Dec 4, 2024.

Source version current through Jul 31, 2021

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Dec 4, 2024

Current section text is not available here.

11 NYCRR 52.75 - Prohibition on discrimination based on sexual orientation, gender identity or expression, or transgender status

Related State Register notice: Proposed rule DFS-49-24-00014-P. Published Dec 4, 2024.

Source version current through Jul 31, 2021

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Related notice published
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Current section text is not available here.

11 NYCRR 52.76 - Coverage for preventive care and screenings

Related State Register notice: Adopted rule DFS-12-24-00009-A. Published Jun 18, 2024. Notice effective date: Jun 18, 2024.

Source version current through Jul 31, 2021

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Dates and status
NYCRR title agency
Department of Financial Services
Section status
Section source receipt
Source version current through
Jul 31, 2021
Related Register notice
DFS-12-24-00009-A · Adopted rule
Related notice published
Jun 18, 2024
Related notice effective date
Jun 18, 2024

Current section text is not available here.

11 NYCRR 52.80 - Earlier source heading: State of New York Certified Surgical Fee Schedule

Related State Register notice: Adopted rule DFS-49-24-00014-A. Published Apr 2, 2025. Notice effective date: Jul 31, 2025.

Source version current through Sep 30, 2021

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Dates and status
NYCRR title agency
Department of Financial Services
Section status
Section source receipt
Source version current through
Sep 30, 2021
Related Register notice
DFS-49-24-00014-A · Adopted rule
Related notice published
Apr 2, 2025
Related notice effective date
Jul 31, 2025

Current section text is not available here.

11 NYCRR 52.90 - Earlier source heading: Applicability provisions

Related State Register notice: Adopted rule DFS-49-24-00014-A. Published Apr 2, 2025. Notice effective date: Jul 31, 2025.

Source version current through Sep 30, 2021

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Dates and status
NYCRR title agency
Department of Financial Services
Section status
Section source receipt
Source version current through
Sep 30, 2021
Related Register notice
DFS-49-24-00014-A · Adopted rule
Related notice published
Apr 2, 2025
Related notice effective date
Jul 31, 2025

Current section text is not available here.

11 NYCRR 52.95 - Separability provision

Related State Register notice: Proposed rule DFS-49-24-00014-P. Published Dec 4, 2024.

Source version current through Jul 31, 2021

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Dates and status
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Current section text is not available here.

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