For Consumers

Understanding the Insurance Fair Conduct Act

What is the Insurance Fair Conduct Act (IFCA)?

The law, which took effect on Dec. 6, 2007, covers policyholders whose insurance company:

Who does the law apply to?

It applies only to claims policyholders make with their own insurance company. It doesn't apply to claims you have with someone else's insurance company.

Does the Insurance Fair Conduct Act apply to my health insurance company?

No. The Insurance Fair Conduct Act does not apply to health insurance companies. The Patient Bill of Rights protects health insurance policyholders.

However, IFCA applies to insurance policy claims that may include medical costs. Auto and homeowner policies, for example, typically cover medical costs up to a certain amount.