Prohibits discrimination with respect to charging of rates of premiums for disability and accident insurance.

This bill prohibits insurance companies in New Jersey from discriminating based on race, creed, color, national origin, ancestry, or sex when setting rates, terms, or conditions for disability or accident insurance policies. It directly affects insurers who sell these policies and individuals applying for or renewing them. Key mechanisms include banning the use of protected characteristics in premium calculations and requiring written consent before using genetic test results for disability/accident coverage. The law updates existing insurance regulations to add these specific anti-discrimination protections, which were previously absent for disability/accident insurance. (Note: This focuses on the disability/accident insurance provisions in Section h, as specified in the bill's title and context.)