Maryland § 3-302

§ 3-302.

    (a)    This subtitle does not apply to:

        (1)    life insurance;

        (2)    health insurance, except as provided in subsection (c) of this section;

        (3)    annuities;

        (4)    reinsurance;

        (5)    wet marine and transportation insurance, except as provided in subsection (b) of this section;

        (6)    insurance on a subject that is located, resident, or to be performed wholly outside the State;

        (7)    insurance on vehicles or aircraft owned and principally garaged outside the State;

        (8)    insurance on property or operation of railroads engaged in interstate commerce;

        (9)    insurance:

            (i)    on aircraft owned or operated by aircraft manufacturers or operated in scheduled interstate flight;

            (ii)    on cargo of the aircraft described in item (i) of this item; or

            (iii)    against liability arising out of the ownership, maintenance, or use of the aircraft described in item (i) of this item, other than workers’ compensation or employer’s liability; or

        (10)    medical stop–loss insurance, as defined in § 15–129 of this article.

    (b)    This subtitle applies to wet marine and transportation insurance on:

        (1)    a pleasure craft under 60 feet in length that is owned and used for pleasure and not for business, hire, or other commercial use;

        (2)    fishing vessels under 50 gross tons that are not part of a fleet of 3 or more vessels; and

        (3)    charter or head boats under 50 gross tons that are not part of a fleet of 3 or more vessels.

    (c)    Subject to § 3–306.2 of this subtitle, this subtitle applies to:

        (1)    disability insurance that:

            (i)    provides for lost income, revenue, or proceeds in the event that an illness, accident, or injury results in a disability that impairs an insured’s ability to work or otherwise generate income, revenue, or proceeds that the insurance is intended to replace; and

            (ii)    does not include payment for medical expenses, dismemberment, or accidental death; and

        (2)    short–term medical insurance that provides limited health insurance benefits for a limited period of time to:

            (i)    residents of the United States who travel to another country within 30 days after the effective date of coverage; and

            (ii)    residents of another country who:

                1.    travel to the United States within 30 days after the effective date of coverage; and

                2.    are not traveling to the United States for the purpose of attending an institution of higher education, as defined in § 10–101 of the Education Article.