(a) Notwithstanding the provisions of section 618(A)(2) of The Insurance Company Law
of 1921, 1 if an insurer elects to use a simplified application form, with or without a question
as to the applicant's health at the time of application, but without any questions
concerning the insured's health history or medical treatment history, the policy must
cover any loss occurring after 12 months from any pre-existing 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 pre-existing
conditions. Changes to policies or contracts required under this section, including changes
to premium rates applicable thereto, shall be permitted by endorsement or rider.
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