N.Y. Ins. Law § 2608

§ 2608. Discrimination because of treatment for a mental disability.\n(a) No individual or entity shall refuse to issue or renew, or shall\ncancel any policy of insurance because of any past treatment for a\nmental disability of the insured.\n (b) The prohibition of subsection (a) hereof shall not preclude an\ninsurer from refusing to issue or renew or from cancelling a policy\nbased on sound underwriting and actuarial principles reasonably related\nto actual or anticipated loss experience. The insurer shall notify the\ninsured or his physician of its specific reason or reasons for refusal\nto issue or renew or for cancelling such policy.\n (c) In this section, mental disability has the meaning defined in\nsubdivision three of section 1.03 of the mental hygiene law.\n