Section 1. Sections 1 to 5 of this act shall be known and may be cited as the Discretionary Clause Prohibition Act.2 Sec. 2. The purpose of the Discretionary Clause Prohibition Act is to ensure that health insurance benefits and disability income protection coverage are contractually guaranteed and to avoid the conflict of interest that occurs when the health carrier or insurer responsible for providing benefits has discretionary authority to decide what benefits are due.