Note
See table at end of this Article for derivation of HRS sections from the National Association of Insurance Commissioners 1998 Model Act or Regulations.
Cross References
Long-term care financing, see chapter 346C.
PART I. LONG-TERM CARE INSURANCE MODEL ACT
[§431:10H-109] Prior hospitalization; prior institutionalization. (a) No long-term care insurance policy may be delivered or issued for delivery in this State if the policy:
(1) Conditions eligibility for any benefits on a prior hospitalization requirement;
(2) Conditions eligibility for benefits provided in an institutional care setting on the receipt of a higher level of institutional care; or
(3) Conditions eligibility for any benefits other than waiver of premium, post-confinement, post-acute care, or recuperative benefits on a prior institutionalization requirement.
(b) A long-term care insurance policy containing post-confinement, post-acute care, or recuperative benefits shall clearly label, in a separate paragraph of the policy or certificate, entitled "Limitations or Conditions on Eligibility for Benefits", such limitations or conditions including any required number of days of confinement.
(c) A long-term care insurance policy that conditions eligibility of non-institutional benefits on the prior receipt of institutional care shall not require a prior institutional stay of more than thirty days. [L 1999, c 93, pt of §2]
Section: Previous 431-10h-103 431-10h-104 431-10h-105 431-10h-106 431-10h-106.5 431-10h-107 431-10h-108 431-10h-109 431-10h-110 431-10h-111 431-10h-112 431-10h-113 431-10h-114 431-10h-115 431-10h-116 NextLast modified: October 27, 2016