                                 CODE OF VIRGINIA

PREEXISTING CONDITIONS PROVISIONS (§ 38.2-3514.1)

A. In determining whether a preexisting conditions provision applies to an
insured, all coverage shall credit the time the person was covered under
previous individual or group policies providing hospital, medical and surgical
or major medical coverage on an expense incurred basis if the previous coverage
was continuous to a date not more than thirty days prior to the effective date
of the new coverage, exclusive of any applicable waiting period under such
coverage.

B. As used herein, a &#8220;preexisting conditions provision&#8221; means a
policy provision that limits, denies, or excludes coverage for charges or
expenses incurred during a twelve-month period following the insured&#8217;s
effective date of coverage, for a condition that, during a twelve-month period
immediately preceding the effective date of coverage, had manifested itself in
such a manner as would cause an ordinarily prudent person to seek diagnosis,
care, or treatment, or for which medical advice, diagnosis, care, or treatment
was recommended or received within twelve months immediately preceding the
effective date of coverage or as to pregnancy existing on the effective date of
coverage.

C. This section shall not apply to the following insurance policies or
contracts:

   1. Short-term travel;

   2. Accident-only;

   3. Limited or specified disease contracts;

   4. Long-term care insurance;

   5. Short-term nonrenewable policies or contracts of not more than six
   months&#8217; duration which are subject to no medical underwriting or minimal
   underwriting;

   6. Policies subject to Article 4.1 (&#xA7; 38.2-3430.1 et seq.) of Chapter 34
   of this title;

   7. Policies or contracts designed for issuance to persons eligible for
   coverage under Title XVIII of the Social Security Act, known as Medicare, or
   any other similar coverage under state or federal government plans; and

   8. Disability income.

HISTORY: 1995, c. 522; 1997, c. 291; 1999, c. 1004.