There is a newer version of the Idaho Code and Statutes
2005 Idaho Code - 41-4206 — PREEXISTING CONDITIONS
TITLE 41 INSURANCE CHAPTER 42 INDIVIDUAL ACCIDENT AND HEALTH INSURANCE POLICIES 41-4206. PREEXISTING CONDITIONS. (1) Notwithstanding the provisions of section 41-2104, Idaho Code, if an insurer or a nonprofit hospital, medical or dental service association, or health maintenance organization 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 twelve (12) months from the effective date of the policy, that is due to any preexisting condition not specifically excluded from coverage by terms of the policy. Except as so provided, the policy or contract shall not include wording that would permit defense based upon preexisting conditions.
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