69O-157.006. Pre-existing Conditions

(1) No long-term care insurance policy or certificate other than a policy or certificate thereunder issued to a group as defined in Section 627.9405(1)(a), F.S., shall use a definition of “preexisting condition” which is more restrictive than the following: “Preexisting condition” means the existence of symptoms which would cause an ordinarily prudent person to seek diagnosis, care, or treatment, or a condition for which medical advice or treatment was recommended by or received from a provider of health care services within 6 months preceding the effective date of coverage of an insured person. (2) No long-term care insurance policy or certificate other than a policy or certificate thereunder issued to a group as defined in Section 627.9405(1)(a), F.S., may exclude coverage for a loss or confinement which is the result of a preexisting condition unless such loss or confinement begins within 6 months following the effective date of coverage of an insured person.