38.2-3520 - Coverage of preexisting conditions. - Virginia Statutes

§ 38.2-3520. Coverage of preexisting conditions.

Notwithstanding the provisions of § 38.2-3503, if an insurer elects to use asimplified application form, with or without a specific question as to theapplicant's health, but without any detailed questions concerning theinsured's health history or medical treatment history, the policy shall coverany loss occurring after twelve months from the effective date of coveragefrom any preexisting condition not specifically excluded from coverage byterms of the policy. Except as so provided, the policy shall not includewording that would permit a defense based upon preexisting conditions.

(1980, c. 204, § 38.1-362.15; 1981, c. 575; 1986, c. 562.)