Indiana Code
Chapter 12. Long Term Care Insurance
27-8-12-10. "Preexisting Condition" Defined; Exclusion of Coverage; Limitations

Sec. 10. (a) As used in this section, "preexisting condition" means the existence of:
(1) either:
(A) symptoms that would cause an ordinarily prudent person to seek diagnosis, care, or treatment; or
(B) a condition for which medical advice or treatment was recommended by, or received from, a provider of health care services; within
(2) a period not to exceed either:
(A) twelve (12) months preceding the effective date of coverage of an insured person who is sixty-five (65) years of age or older on the effective date of coverage; or
(B) twenty-four (24) months preceding the effective date of coverage of an insured person who is less than sixty-five (65) years of age on the effective date of coverage.
(b) A long term care insurance policy may exclude coverage for a loss or confinement that is the result of a preexisting condition only if that loss or confinement begins within:
(1) twelve (12) months following the effective date of coverage of an insured person who is sixty-five (65) years of age or older on the effective date of coverage; or
(2) twenty-four (24) months following the effective date of coverage of an insured person who is under sixty-five (65) years of age on the effective date of coverage.
(c) The insurance commissioner may extend the limitation periods set forth in subsections (a)(2)(A), (a)(2)(B), and (b), concerning specific age group categories in specific policies upon a finding that the extension is in the best interest of the public.
As added by P.L.275-1987, SEC.1.

Structure Indiana Code

Indiana Code

Title 27. Insurance

Article 8. Life, Accident, and Health

Chapter 12. Long Term Care Insurance

27-8-12-1. "Applicant" Defined

27-8-12-2. "Certificate" Defined

27-8-12-3. "Certificate Holder" Defined

27-8-12-4. "Insurance Policy" Defined

27-8-12-4.5. "Long Term Care Facility" Defined

27-8-12-5. "Long Term Care Insurance Policy" Defined

27-8-12-6. Compliance With Statutory Requirements

27-8-12-7. Policy Disclosure Standards; Marketing Practices; Continuing Education; Penalties; Reporting Practices; Rules

27-8-12-7.1. Qualification of Long Term Care Policies; Rules

27-8-12-8. Loss Ratio Standards Rule

27-8-12-9. Termination of Policy on Grounds of Age or Deteriorated Health

27-8-12-10. "Preexisting Condition" Defined; Exclusion of Coverage; Limitations

27-8-12-10.5. Loss or Confinement Resulting From a Preexisting Condition; Exclusion of Coverage; Limitation Period; Rules

27-8-12-10.6. Conditions on Eligibility for Benefits; Restrictions

27-8-12-11. Establishment of New Waiting Period

27-8-12-12. No Obligation Return Period; Notice

27-8-12-13. Direct Response Solicitation Issued Policies; No Obligation Return Period; Notice

27-8-12-14. Outline of Coverage; Contents

27-8-12-14.5. Policy Summary; Requirements

27-8-12-14.6. Benefits Funded Through Life Insurance by Acceleration of Death Benefits; Benefit Payment Status Report; Contents

27-8-12-15. Group Policy Certificate; Contents

27-8-12-16. Application of General Insurance Law

27-8-12-17. Group Policies Issued in Another State; Requirements

27-8-12-18. Insurance Producer Commissions

27-8-12-19. Violations; Civil Penalty; Amount