Pennsylvania Code
Title 31 - INSURANCE
Part IV - Life Insurance
Chapter 88 - INDIVIDUAL ACCIDENT AND SICKNESS INSURANCE MINIMUM STANDARDS
PRE-EXISTING CONDITIONS
Section 88.53 - Simplified application form

Notwithstanding the provisions of section 618 (A)(2) of The Insurance Company Law of 1921 (40 P. S. § 753(A)(2)), if an insurer elects to use a simplified application form, with or without a question as to the health of the applicant at the time of application, but without any questions concerning the health history or medical treatment history of the insured, the policy must cover any loss occurring after 12 months from the effective date of the insured person's coverage from any preexisting condition not specifically excluded from coverage by terms of the policy, and, except as so provided, the policy or contract shall not include wording that would permit a defense based upon preexisting conditions. Changes to policies or contracts required under this section, including changes to premium rates applicable thereto, shall be permitted by endorsement or rider.