This historic book may have numerous typos and missing text. Purchasers can usually download a free scanned copy of the original book (without typos) from the publisher. Not indexed. Not illustrated. 1920 edition. Excerpt: ... PAET II Policy Form Submitted for Criticisms and Suggestions For the proper consideration of all the criticisms and suggestions which have been returned on the health and accident policy form submitted with the letter of May 21, it is necessary to collate and classify them. The policy form was sent originally to all of the state departments and to all of the companies and associations doing a health and accident business in Wisconsin. It was also sent to some friends in the business. Later it was sent to the members of the Health and Accident Underwriters' Conference, not doing business in Wisconsin, and in answer to some requests. In a general way, the answers of the departments considered the policy form under the Standard Provisions Law as calculated to put the business on a better basis, while the insurers disregarded the law and laid stress on present, temporary conditions in the business, without considering the adequacy and efficacy of present practices in meeting present needs and the future growth and development of the business. Departmental Replies In so far as there were expressions of opinion from the departments, the approval of the policy form submitted was unanimous. Several of the departments suggested that the form be submitted to the Commissioners' Convention for adoption, with some changes in phraseology, as the standard form. One of the departments went outside of the question of the policy form and suggested that the right of cancellation be taken from the insurers. Some of the departments stated that they were greatly interested in the matter and promised further study of the subject. One department suggested that the greatest definiteness in the matter of benefits was desirable, but approved of the form as likely...