                                 CODE OF VIRGINIA

ADDITIONAL EXCLUSIONS AND LIMITATIONS (§ 38.2-3531)

A. Each group accident and sickness insurance policy shall contain a provision
specifying all additional exclusions or limitations applicable under the policy
for any disease or physical condition of a person, not otherwise excluded from
the person&#8217;s coverage by name or specific description effective on the
date of the person&#8217;s loss, which existed prior to the effective date of
the person&#8217;s coverage under the policy.

B. Any such exclusion or limitation may only apply to a disease or physical
condition for which medical advice or treatment was received by the person
during the twelve months prior to the effective date of the person&#8217;s
coverage. The exclusion or limitation shall not apply to loss incurred or
disability commencing after the earlier of (i) the end of a continuous period of
twelve months commencing on or after the effective date of the person&#8217;s
coverage during which the person receives no medical advice or treatment in
connection with the disease or physical condition, or (ii) the end of the
two-year period commencing on the effective date of the person&#8217;s coverage.

C. This section shall not apply to group accident and sickness policies
providing hospital, medical and surgical or major medical coverage on an expense
incurred basis to an employer&#8217;s employees and their dependents.

HISTORY: 1986, c. 562; 1998, c. 24.